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Yuliana Andrea
Yuliana began her business of selling personal products through catalogs about 2 years ago, motivated principally by the idea of improving the financial status of her family so as to better their quality of life. Yuliana is married and has one 4-year-old son; they are her motivation for striving with her business every day. Yuliana found that selling these personal products is a great source of income and they also allow her to take care of her son while she does her work. Thanks to this she has been able to give her husband and son a better standard of living and for her son, a boost in this stage of his life. Thanks to the good quality of the products and the way she treats her customers, she has attracted a big customer base who give her large orders for her business. Yuliana has been spurred on to receive a loan so that she can fill a big order that one of the customers put in. She will use the loan to buy lotions, cosmetics, deodorants, etc. for this order.

She hopes that in this way her sales will continue to rise and she can keep on improving her family’s living standards. Yuliana also wants her son to have a quality education and a good financial future. She dreams that her business will grow and she can consolidate and open her own store to offer a big variety to her customers and where she can give employment to people who need it.
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Yuliana inició con el negocio de la venta de productos de uso personal por catálogo hace aproximadamente 2 años, motivada principalmente por mejorar los ingresos de su familia para mejorar su calidad de vida. Yuliana se encuentra casada y es madre de 1 hijo de 4 años, y ellos han sido su motivo para esforzarse en su negocio diariamente. Yuliana encontró en la venta de productos de uso personal una gran fuente de ingresos, pues le permite estar pendiente del cuidado de su hijo mientras atiende el negocio, gracias a esto, ha podido mejorar la calidad de vida de su esposo y su hijo y brindarle un buen acompañamiento a su hijo en su etapa de crecimiento. Gracias a la buena calidad de sus productos, y a la buena atención que ofrece a sus clientes, Yuliana ha captado un gran número de clientes los cuales le hacen grandes pedidos de su negocio. Con el ánimo de responder a un gran pedido que le ha hecho un cliente suyo, Yuliana espera que un préstamo le permita acceder a la compra de productos de uso personal como son lociones, cosméticos, desodorantes, entre otros y responder al gran pedido que le ha hecho un cliente.

Yuliana espera que de esta manera su negocio siga aumentando las ventas y pueda seguir mejorando la calidad de vida de su familia. Yuliana, también anhela que su hijo pueda acceder a una educación de calidad y tenga una gran prosperidad económica. Sueña con que su negocio crezca y se consolide y pueda montar su propio local donde ofrezca gran cantidad de productos a sus clientes y donde pueda generar empleo para las personas que más lo necesitan.

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
  • 394
    View loans »
    Colombia Loans Fundraising
  • $16,282,675
    Funds lent in using Kiva
  • 1,777.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Yuliana Andrea to buy personal products such as lotions, cosmetics, deodorants, etc to fill to a big order from a customer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 7, 2012
Mar 1, 2012
Currency Exchange Loss:
Jun 20, 2013