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Alicia De Jesus
Alicia is a person who, despite having passed through many adversities in her life, has got through thanks to her desire to get ahead together with her family. Alicia is a single mother with three children, due to the fact that the father of her children died a while ago. Due to this, Alicia had to started providing for the maintenance of her children and the bills, for which she was forced to get a job which would at the same time allow her to care for her children. This was hos she set up her catalogue sales business, where she offers her customers personal products, household products, as well as other things. Thanks to this Alicia has been able to make a good number of customers who guarantee good sales. Thanks to the fact that she has large orders for household products Alicia hopes that a loan will give her the possibility to buy household products in order to meet her customers orders.

Alicia hopes to continue with her sales, so she can have a guaranteed income in her house. Alicia dreams of being able to get her family ahead and being able to have economic stability which will in turn give her a better chance to progress. Alicia wants to in the future be able to set up a warehouse and be based in a store where she can be recognised by more people in her area and generate jobs for people in need.
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Alicia es una persona que a pesar de que ha tenido que atravesar muchas adversidades en su vida, sus ganas de salir adelante le han permitido superar las dificultades y seguir adelante junto con su familia. Alicia es una madre soltera de 3 hijos, debido a que el padre de sus hijos murió hace un tiempo. Debido a esta condición, Alicia tuvo que empezar a garantizar a sus hijos el sostenimiento de sus gastos, por lo que se vio en la obligación de tener un empleo que al mismo tiempo le permitiera estar al cuidado de sus hijos. Fue así como montó una venta de productos a través de catálogos, donde ofrece a sus clientes productos de uso personal, productos de uso doméstico, entre otros. Gracias a esto, Alicia ha podido captar un gran número de clientes que le garantizan muy buenas ventas. Gracias a que tiene grandes pedidos de productos de uso doméstico, Alicia aspira a que un préstamo le brinde la posibilidad de acceder a la compra de productos de uso doméstico para satisfacer los pedidos que le han hecho sus clientes.

Alicia espera poder continuar con sus ventas, de modo que le puedan garantizar unos buenos ingresos para su hogar. Alicia sueña con poder sacar su familia adelante y poder tener una estabilidad económica que le permita tener mejores oportunidades de progreso. Alicia quiere en un futuro poder montar un almacén y estar ubicada en un local en el que pueda ser más reconocida por las personas de su sector y generar empleo para las personas más necesitadas.

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
  • 487
    View loans »
    Colombia Loans Fundraising
  • $15,255,525
    Funds lent in using Kiva
  • 1,785.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Alicia De Jesus compra de productos de uso doméstico para satisfacer los pedidos que le han hecho sus clientes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 10, 2012
Mar 2, 2012
Currency Exchange Loss:
Apr 18, 2013