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Marta Cecilia
Marta Cecilia did not receive an education when she was little. Therefore, when she grew up it was hard for her to find a job. Thanks to a course that she was given, she learned how to make clothes. Later, thanks to a very good boss that she had, she worked as a sewing machine operator in a business.

Marta Cecilia, age 64, is currently married and has two children. She has always wanted to give them everything that they need.

Marta Cecilia’s boss offered her the chance to have a machine in her house. This would allow her to work from home. Therefore, Marta Cecilia now receives cut fabrics, and she sews them into garments. Marta Cecilia is very behind in her production because she only has her one sewing machine.

That is why she wants to buy a sewing machine to generate a job and to have a person to help her with her work. However, Marta Cecilia does not have enough money at this time. This is why Marta hopes for a loan that will give her the opportunity to buy a sewing machine that will allow her to have an employee working at her side.

Marta Cecilia hopes that her sales increase considerably because she will be able to get more work from the company. This way she will be able to give her husband and her two children a better quality of life. Also, she wants to offer a job to a person who is in great need and urgently needs some income.
View original language description ↓
Marta Cecilia es una persona que de pequeña no recibió educación, por lo que cuando creció se le hizo muy difícil conseguir un empleo.
Marta Cecilia gracias a un curso que le dieron, aprendió la actividad de la confección, y posteriormente gracias a un muy buen jefe que tuvo, ingresó a un trabajo como operaria de confección en una empresa.
Actualmente, Marta Cecilia, con 64 años de edad se encuentra casada y es madre de 2 hijos, a los cuales siempre les quiso brindar todo lo necesario.
Marta Cecilia tuvo la oferta de su jefe de tener una máquina en su casa que le permitiera trabajar desde allí, por lo que actualmente Marta Cecilia recibe telas cortadas y ella confecciona las prendas de vestir.
Marta Cecilia tiene mucha producción atrasada, debido a que no tiene una máquina de coser aparte de la suya; por esto quiere comprar una máquina de coser plana, para generar un empleo y tener una persona que le ayude con las actividades del trabajo. Sin embargo, Marta Cecilia no cuenta con el dinero suficiente en estos momentos, por lo que aspira a que un préstamo le brinde la posibilidad de acceder a la compra de una máquina de coser que le permita tener una persona como empleada trabajando al lado suyo.

Marta Cecilia espera que sus ingresos aumenten considerablemente debido a que podrá recibir más trabajo por parte de la empresa, y así podrá ofrecerles una mejor calidad de vida a su esposo y sus 2 hijos. Además, quiere ofrecerle el empleo a una persona que tenga grandes necesidades y requiera urgentemente de unos ingresos.

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
  • 405
    View loans »
    Colombia Loans Fundraising
  • $16,282,675
    Funds lent in using Kiva
  • 1,812.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Marta Cecilia to buy a sewing machine, which would allow her to hire a person to help her with her sewing.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 24, 2012
Feb 3, 2012
Currency Exchange Loss:
Jan 15, 2013