A loan of $425 helped to buy creams, perfume, and feminine accessories.

Rosa's story

Rosa lives In the Malambo municipality, in the metropolitan area of Barranquilla, where she has her own business. She is a 19-year-old woman whose family is made up of her spouse and their small daughter who is less than a year old.

At the beginning of 2012, Rosa, excited by her friend's support, began selling a variety of commodities that she had shared with her in order to generate income since Rosa was not tied to any business that would give catalogs to its buyers in order to promote their products to their clients.

Little by little, Rosa's clientele grew and this helped her to have her own direct tie which helped her sell at more competitive prices. That is why today she offers perfume, purses, and feminine accessories through specialized item guides. From among their offers she chooses those that go on sale, in order to sell to her clients at good prices and also generate more income with a rapid rotation of inventory.

Her clientele is made up of her neighbors and those referred by them, that support her with the structural growth of her business. Rosa is currently applying for a Kiva loan, the first financing she will get through Fundación Mario Santo Domingo, with which she will buy creams, perfume, and feminine accessories that have been ordered by her clientele.

Her goal is to increase her working capital as well as her sales, in order to improve her family's way of life. Her greatest challenge was finding sources of financing and that is just what her Kiva loan will do. It will lead to a successful investment which will become a stepping stone to help her achieve her dreams of prosperity.

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Translated from Spanish by Kiva volunteer Jamie Schau

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