A loan of $1,200 helped to buy a refrigerator and a photocopier.

Nidian's story

Nidian is 53 years old. She lives in Soledad and is mother to three children who are 16, 24 and 30 years old, respectively. She has a shop where she sells diverse merchandise and also dedicates part of her mornings to preparing and selling lunches. Both businesses generate income with has every day generated a greater wellbeing for her home. Her life as businesswoman started six years ago, selling products through specialized guides. Her business has been gradually growing and, as a result, she has attached glass cases where she can exhibit her products.

Additionally, she sells sweets, cellular minutes, which constitute other income, taking advantage of her captive customers who visit her daily. She makes her sales with cash and credit, studying her customers well. She acquires the sweet and the ingredients to prepare the lunches in the center of the city of Barranquilla with cash. Meanwhile, the merchandise that she offers from catalogs she acquires with credit. Her goal for the future is to build a bigger sized shop where only her business operates. But her great challenge is to have enough cash to fund the expansion of her business, respond to her customers and to always have her shop well stocked. Nidian is applying for her second credit with the Fundacion Mario Santo Domingo. With her previous loan, she was able to buy catalog cosmetic products, sweets, and ingredients in large volumes to produce more food. Also, she acquired three glass cases and four tables with which she could exhibit her merchandise better to impact the customers' desire to buy. Her success in this investment lies in her experience and also her purchase is a response to her customers' requests and to the current rotation of her products. Today, she has approached the Foundation to request a CrediKiva with which she will buy a refrigerator and a photocopier. She is thankful to Kiva and to the Foundation for helping her get ahead and she is happy for the support provided.

Translated from Spanish by Kiva volunteer

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