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Rosana is 34 years old, she lives with her partner and her 3 children, who are from 6 to 16 years old, in the southwest of the city. Here she has a small store that she started in 1996 when she saw the lack of a shop that sells things such as colognes, perfumes, clothes and costume jewellery.

She began linking with businesses that supply specialist magazines so that she could sell, and little by little with her own capital she equipped her own home with a space for her business and purchased a glass cabinet so she could display her products and sell much more.

She works every day from 9 in the morning until 8 in the evening. She offers her products both on credit and for cash payment. Her main customers are from the area where she lives and they are the main promoters of her commercial image.

Her longer term goal is to increase the size of her business and give her children a quality education.

She is applying for a kiva loan, her first from Fundación Mario Santo Domingo, and will use it to buy women’s clothing and infant colognes. These will much improve the selection offered by her business, and this loan will allow for a greater customer base and improve her business.
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Rosana de 34 años de edad, habita con su cónyuge y sus 3 hijos en las edades de 6 a 16 años al suroccidente de la ciudad. Allí tiene una pequeña miscelanea que inició desde el año 1996 cuando observando las necesidades del sector percibió la inexistencia de un punto comercial que vendiera artículos como colonias, perfumería ropa y bisutería. Inició vinculándose a empresas que proveen revistas especializadas para que realicen su oferta y poco a poco con su capital propio, fue dotando su propia vivienda de un espacio para su negocio y fue comprando 1 vitrina con la que lograra exhibir los productos y vender mucho mas. Su tarea comercial la realiza todos los días desde las 9 de la mañana hasta las 8 dela noche y ofrece sus productos mediante las dos modalidades de crédito y de contado. Sus principales clientes están ubicados en el barrio donde habita y son sus principales promotores de su imagen comercial. Su meta mas adelante es ampliar el local donde está ubicada y lograr una educación de calidad para sus hijos. En la actualidad está aplicando aun credikiva, primer financiamiento que hace la Fundación Mario Santo Domingo, mediante la cual comprará ropa femenina, e infantil colonias, con las cuales surtirá mucho mas su negocio para potencializar una mayor clientela y mejorar su negocio con esta inversión.

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
  • 229
    View loans »
    Colombia Loans Fundraising
  • $17,862,975
    Funds lent in using Kiva
  • 1,889.9
    Colombia Pesos (COP) = $1 USD
A loan of $800 helped Rosana to buy women's clothes and infant colognes.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 31, 2014
Aug 16, 2014
Currency Exchange Loss:
Sep 15, 2014