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Darlen has been selling beauty products and clothes for the past 18 years. Everything started when her friend pushed her to affiliate herself with catalog retail. Darlen worked at a school cafeteria, and her friend urged her to show the teachers the products and earn money selling on credit.

Today, her business continues, although she took a break after her child was in an accident, which was a great life challenge because she had to spend the capital of her business and start over. Even then, with effort, she sells on credit, working from 3 in the afternoon until 7 at night. She buys directly from stores in the city using specialized product guides and sells to a large customer base, including neighbors from the town where she lives, family members, and referrals.

Her goal is to expand her business and to have a well-stocked store in order to earn more and to give a good education to her last child, who is 10 years old. She is currently requesting a Credikiva, which she will use to buy clothes and beauty products listed in her catalogs at good prices. She wishes to increase her sales, taking full advantage of her loan in order to continue improving her business.
View original language description ↓
Darlen vende productos de belleza y ropa desde hace 18 años; todo empezó cuando su amiga la impulsó, para que se afiliara al comercio mediante catálogos, Darlen trabajaba en los comedores del colegio, y su amiga la guió para que mostrara a los profesores los artículos y ganara dinero vendiendo a crédito. Hoy su tarea continua, aunque tuvo un receso por haberse accidentado su hijo, lo cual fue un gran desafío de vida, pues debió gastar el capital de su negocio y volver a iniciar. Aun así, con esfuerzos, vende a crédito, trabajando desde las 3 de la tarde hasta las 7 de la noche, comprando directamente a almacenes de la ciudad, mediante guías especializadas de productos y vendiendo a una amplia clientela, entre las que se encuentran vecinos del barrio donde habita, familiares y referidos . Su meta es ampliar su negocio y tener un almacén bien surtido, para ganar más y darle una buena educación a su ultimo hijo, que se encuentra en la edad de 10 años. En la actualidad está aplicando a un Credikiva, mediante el cual comprará ropa, productos de belleza, que han llegado en sus catálogos con buenos precios y quiere con ellos impactar sus ventas, sacandole mas provecho a su crédito, para mejorar aun mas su negocio.

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
  • 239
    View loans »
    Colombia Loans Fundraising
  • $16,895,775
    Funds lent in using Kiva
  • 1,889.9
    Colombia Pesos (COP) = $1 USD
A loan of $675 helped Darlen to buy clothes and beauty products.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 31, 2014
Aug 16, 2014
Currency Exchange Loss:
Sep 15, 2014