A loan of $650 helped to buy perfume, capillary creams, disposable towels and other supplies.

Mary's story

Mary, 45 years old, is married with two children ages 20 and 22. Eight years ago, she decided to start her own business selling beauty products and medicinal products in order to help pay her family's household expenses. She started out by working with some beauty suppliers and attending their meetings. In time, Mary began to diversify her merchandise and offer a bigger variety of products, responding to the orders her customers put in. Mary allows her customers to purchase items with cash or on credit. She sells principally to her neighbors and friends. Also, each day she gets referred to new customers for the relaxing massage services she offers. Mary owns her own massage bed to complement her beauty product sales.

Mary has already received two loans through Fundación Mario Santo Domingo, which have helped her to gradually strengthen her business. She has increased her working capital as well as her earnings. This has helped her to support her children and pay for them to receive a higher education. Mary's personal goals include seeing her children graduate from college. Her business goals include one day opening a well-equipped store and further improving her sales. Challenges she faces in reaching this goal are gaining greater competency with her beauty products and marketing her massage services.

Currently, Mary is applying for a Kiva loan in order to buy perfume, capillary creams, disposable towels, and other supplies she needs in order to improve the services she offers and increase her earnings. This will make her loan a successful investment.

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Translated from Spanish by Kiva volunteer Ellen Craven

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