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Dálida Rosa
Dálida is an enterprising woman, who at her 42 years of age is the owner of a micro-enterprise that has been in existence for eight years. She is a woman who has fought to pursue her dreams, and as the mother of two children, she hopes to be able to offer them a better quality of life in the future.

Currently Dálida generates four employment positions with her business, in which she provides dressmaking services to others. She learned the work 18 years ago and since then has dedicated herself to polishing her techniques, in order to provide a good service and be able to meet the needs of her clientele. However, while she is concerned for her customers, for Dálida her employees' comfort is of great significance, since the place where they work is a closed-in area where the heat often does not allow them to fulfill orders adequately, owing to the heat at times in the production process. For this reason Dálida today is requesting a loan with which to make adaptations to the premises of her micro-business, namely that she will buy fans for bringing fresh air and comfort to her employees, and improve the flooring, which is not of appropriate material for the advancement of the micro-business.

Dálida dreams of one day being able to generate more employment, and of turning her business into a legacy which may improve her finances and future quality of life.
View original language description ↓
Dálida es una mujer emprendedora que a sus 42 años es propietaria de una microempresa que existe desde hace 8 años, es una mujer que ha luchado por sacar adelante sus sueños, y como madre de 2 hijos lo que espera es poder brindarles en un futuro una mejor calidad de vida.

Actualmente Dálida genera 4 empleos desde su negocio, donde se presta el servicio de confección a terceros labor que aprendió hace 18 años y desde entonces se ha dedicado a pulir sus técnicas para brindar un buen servicio y poder satisfacer las necesidades de sus clientes, sin embargo así como se preocupa por sus clientes, es para Dálidad muy importante la comodidad de sus empleadas ya que el lugar donde trabajan es un espacio cerrado donde el calor muchas veces no las deja cumplir adecuadamente con los pedidos ya que en algunas ocasiones el calor para la producción, es por esto que hoy Dálida solicita un prestamos con el cual hacerle adecuaciones a las instalaciones de su microempresa, en las cuales comprará ventiladores que le brinden frescura y comodidad a sus empleadas y una mejora en el piso, el cual no tiene el material adecuado para el progreso de la microempresa.

Esta emprendedora sueña con poder en un futuro generar más empleos y convertir su negocio en un legado que mejore su economía y su calidad de vida en un futuro.

Additional Information

Important Information

This loan is structured on Kiva as a bullet loan, which means a single payment is required at the end of the loan term. By Colombian law, Kiva's partner Interactuar is required to offer borrowers loans with a variable interest rate that fluctuates with the market rate. Because fixed monthly payments are applied first to interest and then to principal, Interactuar is unable to predict upfront what portion of each repayment would go towards the loan principal. This creates a challenge with Kiva's system, which doesn't allow for unpredictable principal payments, and can result in some Interactuar clients appearing falsely delinquent. To remedy this, the loan has an end-of-term repayment plan on Kiva, but the borrower will continue scheduled monthly repayments to Interactuar, who will then pass along the principal amount to Kiva lenders. This means that you may see repayments made on this loan throughout the repayment term, as opposed to receiving repayment in full at the end of the loan term.

About Colombia

  • $11,100
    Average annual income
  • 486
    View loans »
    Colombia Loans Fundraising
  • $15,254,800
    Funds lent in using Kiva
  • 1,760.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Dálida Rosa to purchase fans and make improvements to the premises.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 11, 2011
Jul 18, 2011
Currency Exchange Loss:
Feb 15, 2013