A loan of $650 helped to buy footwear and clothes.

Hena's story

Hena is 78 years old and used to work in an office. When she stopped this work and when she separated from her husband, things became difficult. In order to earn an income, Hena relied on a friend, who gave her products to sell. Hena started her business, putting this work as her top priority. It was not easy to sell cosmetics and other merchandise. She was not used to this work but she did it, visiting work colleagues, and gradually, she developed a customer base, collecting the money from her sales on credit, and buying products in the city to fulfill her orders. Hena has workied with four businesses that sell through catalogues for five years. With the income she makes, Hena has been able to organise her store, buying display cases and stocking up. Lately Hena has been selling independently from catalogues. Hena buys products when prices are low, so that she can offer competitive prices to her customers. Hena mainly sells on credit, collecting the money within two months (on average), depending on the amount the customer buys and how much it cost. Although Hena lives in a rented property with her son, Hena has stock that she displays in her sister's house, which is nearby. Hena is very hard-working and also has a monthly income - she earns a percentage from the city raffle, for which she sells tickets. She also hops to win a house and a car. Hena's customers usually buy from her, and so Hena considers them as her regulars. This is Hena's fifth loan with the "Fundación Mario Santo Domingo". With this resource she has been able to increase her profits. She has new customers and this helps her to improve her quality of life. Because of this she is grateful for this support and hopes that the foundation can continue to help her. Today Hena is applying for a Kiva loan in order to buy good quality marchandise that she will bring from the city of Bucaramanga, in the Santander department. There the quality of leather products, such as footwear, is excellent, and so are the clothes. Customers are order these clothes for Christmas and New Year, which are now approaching. Hena's customers all want to look good for family parties and they are all excited to spend loving times with their family.

Translated from Spanish by Kiva volunteer Iain Gaw

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