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Liliana Marcela
Liliana is a single mother and head of the family. She has a seven year old child, and he has always been her motivation to work harder every day. Liliana has always dreamed of starting her own company. That is why she is now putting forth great effort to get her business ahead.

Liliana waits on customers in a restaurant in her municipality. When she finishes her work day she makes desserts that she distributes to some restaurants in the municipality. Her desserts are known for their good flavor and for the good quality of service that she offers. This is why, little by little, her sales have been increasing considerably.

As Liliana makes the desserts manually or by hand, she does not have a large production. That is why she has not been able to take care of the large orders that some of her customers are making lately. With the aim of being able to increase production of her desserts, Liliana is looking to buy an industrial blender. This will allow her to make the process more industrialized, and she will be able to speed up production.

However, Lilian does not have enough capital to buy this machine. That is why she has the hope that a loan will give her the possibility of buying an industrial blender, which will allow her to make more desserts in less time.

Liliana hopes that her income increases and that she will be able to take care of customers that she previously could not. She also hopes that she will be able to fulfill her dream of having her own company that sells large quantities of her products. Liliana dreams that her son will be able to have a better quality of life and that her business finds financial stability. Also, Liliana hopes that her son will be able to have a quality education and a university education in the future.
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Liliana es una madre soltera cabeza de familia de un hijo de 7 años el cual siempre ha sido la motivación para esforzarse todos los días en su trabajo. Liliana siempre ha soñado con montar su propia empresa y es por esto que ahora se esta esforzando por sacar su negocio adelante. Liliana trabaja en la sección de servicio al cliente de un restaurante de su municipio y cuando culmina su jornada laboral elabora postres que distribuye a algunos restaurantes de su municipio. Sus postres son reconocidos por su buen sabor además por la buena calidad del servicio que ofrece, es por esto que poco a poco sus ventas se han ido aumentando considerablemente. Liliana, como elabora sus postres manualmente, dicho de mejor manera, artesanalmente, no cumple con una gran cuota de producción, por lo que últimamente no ha podido atender los pedidos grandes que le hacen algunos clientes suyos. Con el ánimo de poder aumentar la producción de sus postres, Liliana busca comprar una licuadora industrial que le permita elaborar el proceso de manera más industrializada y pueda así agilizar su producción. Sin embargo, Liliana no cuenta con el capital suficiente para la compra de esta máquina, por lo que tiene la esperanza en que un préstamo le brindará la posibilidad de acceder a la compra de una licuadora industrial que le permita elaborar más postres en menos tiempo.

Liliana espera que sus ingresos aumenten pues podrá atender a clientes que antes debía rechazar, además podrá cumplir su sueño de tener su propia empresa que venda grandes cantidades de sus productos. Liliana sueña con que su hijo pueda tener una mejor calidad de vida y encuentre en su negocio una estabilidad económica. Además, Liliana espera que su hijo pueda acceder a una educación de calidad y en un futuro a una educación superior.

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

  • $6,070
    Average annual income
  • 299
    View loans »
    Colombia Loans Fundraising
  • $14,063,675
    Funds lent in using Kiva
  • 1,814.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Liliana Marcela to buy an industrial blender that will allow her to make more desserts in less time.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 27, 2012
Listed
Feb 6, 2012
Currency Exchange Loss:
Covered
Ended:
Apr 18, 2013