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Claudia Lucia
Enterprising is the word that would best describe Claudia, a 23 year-old young woman who has been working independently for the last 9 months putting the finishing touches to clothes in the process of being manufactured.
Claudia used to work in a clothes workshop where her job was to carry out the last steps in the manufacturing process and finish off the items to get them ready for sale. She proposed to her immediate boss that she wanted to work independently and since then she has put together her own workshop where she receives the unfinished clothes from the workshop where she used to work so that she can finish them off. Thanks to this activity, Claudia can generate her own income and she helps her parents greatly with home expenses.
Claudia has currently increased her sales manifold, so that the machines she uses are now obsolete. For this reason, she needs to buy a new industrial sewing machine that will allow her to give her work a better quality and increase her customers’ satisfaction with her services. However, she does not have the necessary capital to buy this machine, so she is hoping that a loan will provide her with the opportunity to buy an industrial sewing machine so that she can produce better quality work.
Claudia hopes that this way she will get more contracts, as she will be providing a better service than before, and that with the extra income she receives she will be able to improve her parents’ quality of life.
Claudia dreams that her parents will be able to rest and not continue to suffer the financial difficulties they have had to face during their lives. This is why she improves their living standards every time she can.
View original language description ↓
Emprendedora es la mejor palabra con la que se puede conocer a Claudia, una joven de 23 años que desde hace 9 meses trabaja como independiente terminando los trabajos de la confección.
Claudia anteriormente trabajaba en un taller de confección donde su trabajo era realizar el último proceso de la confección y pulir las prendas para salir a la venta, y le propuso a su jefe inmediato que ella quería trabajar independiente.
Desde entonces Claudia montó su propio taller de confección donde recibe las prendas sin terminar del taller de confección donde trabajó, y ella realiza el proceso final de la prenda. Gracias a esta actividad, Claudia puede generar sus propios ingresos, y les colabora mucho a sus padres con el sustento de su hogar.
Claudia actualmente ha incrementado mucho sus ventas, por lo que las máquinas donde trabajaba se han quedado obsoletas, es por esto que ahora quiere comprar una nueva máquina plana que le permita realizar su trabajo con una mejor calidad y así aumentar la satisfacción de sus clientes con el servicio prestado, sin embargo, Claudia no cuenta con el capital suficiente para comprar la máquina, por lo que tiene la esperanza de que un préstamo le brinde la posibilidad de acceder a la compra de una máquina plana que le permita realizar su trabajo con una mejor calidad.
Claudia espera que de esta manera sus contratos de confección se aumenten, pues prestará un mejor servicio que antes, y espera que con el ingreso extra que recibirá, les podrá mejorar la calidad de vida a sus padres.
Claudia tiene ese gran sueño de que sus padres puedan descansar y no tengan que sufrir por tantas complicaciones económicas que han tenido en su vida, y es por esto que siempre que puede, le mejora las condiciones de vida a sus padres.

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
  • 489
    View loans »
    Colombia Loans Fundraising
  • $15,258,975
    Funds lent in using Kiva
  • 1,824.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Claudia Lucia to buy an industrial sewing machine that will allow her to provide a better service to her customers.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 19, 2012
Listed
Feb 2, 2012
Currency Exchange Loss:
Covered
Ended:
Mar 19, 2014