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Rosa Maria
Rosa, age 35, lives with her husband and their two children, ages five and six. They live a municipality with a lot of artisan tradition and commerce in the Bolívar department. In order to generate income to support the family expenses, she decided to undertake a business selling vegetables with her siblings several years ago.

Little by little, her life picture was expanding, as were her opportunities to generate more profits. Therefore, she decided to invest in snacks, groceries, soft drinks, meat, and dairy products to sell on a retail basis. She took note that this was a need that her neighbors and people in surrounding areas had that was not met.

As she located herself at a commercial spot where there was a small store, she managed to impact her clientele. Now her desire to grow is unstoppable. Her goal for later on is to manage to have a warehouse and to sell wholesale. This way she would be stocking the small stores that exist in the area.

Her biggest challenge is not having enough working capital to manage to, little by little, fulfill her dream of prosperity. However, as she has great discipline in her work, she has approached the Fundación Mario Santo Domingo to apply for a Kiva loan. With the loan she will buy products with greater turnover in larger volume and sell at better prices.

With this loan she will buy snacks, groceries, soft drinks, and other basic needs items. Her inventories will be well-stocked in order to impact her loyal customers and those that she has not yet met.
View original language description ↓
Rosa de 35 años de edad, su cónyuge y sus dos hijos en las edades de 5 y 6 años, habitan en un municipio de mucha tradición artesanal y comercial en el departamento de Bolívar. Co el fin de generar ingresos para apoyar el gasto familiar, decidió emprender un negocio de ventas de verduras con sus hermanos hace muchos años. Poco a poco su panorama de vida fue ampliándose y con ello sus posibilidades de generar mas utilidades, por eso decidió invertir en ranchos, víveres, refrescos, carnes y lácteos, para venderlos al detalle, atendiendo que era una necesidad no satisfecha de sus vecinos en el barrio y de sus alrededores. Como se ubicó en un punto comercial donde estaba un pequeño negocio de tienda, logró impactar a su clientela y hoy sus deseos de crecer no se detienen. Su meta mas adelante es lograr tener un deposito y vender al por mayor, surtiendo las pequeñas tiendas que hay en la población. Su mayor desafío es no tener el capital de trabajo suficiente para lograr poco a poco cumplir su sueño de prosperidad, pero como tiene gran disciplina de trabajo, se ha acercado a la Fundación Mario Santo Domingo, para aplicar a un credikiva, mediante el cual comprar en mayor volumen productos de mayor rotación y vender a mejores precios. Con este financiamiento comprará ranchos, víveres, refrescos y otros artículos de la canasta familiar y sus inventarios estarán muy surtidos para impactar a su clientela fiel y a quienes no la conocen aun.

Additional Information

About Fundación Mario Santo Domingo

Fundación Mario Santo Domingo (FMSD) is a non-profit organization in northern Colombia dedicated to developing programs for the country’s poorest communities. In addition to numerous social services, FMSD runs a microfinance program to strengthen micro-businesses in the areas where it works. The organization also offers several non-financial components as part of this program, including training to help entrepreneurs start their own businesses.


About Colombia

  • $11,100
    Average annual income
  • 235
    View loans »
    Colombia Loans Fundraising
  • $17,831,500
    Funds lent in using Kiva
  • 1,940.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Rosa Maria to buy snacks, groceries, soft drinks, and other basic needs items.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Aug 29, 2013
Sep 7, 2013
Currency Exchange Loss:
Aug 17, 2014