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Claudia Andrea
Claudia has always been charismatic and because of it, she knew exactly what she wanted to do in life. Claudia studied to be a kindergarten teacher and with support from government entities, started a kindergarten to educate children and provide care that parents aren’t able to during the day when they’re at work. This is how her business came to be and how she was able to develop the activity she had always wanted.
Thanks to her knowledge, reviews from the government entities that guarantee her work have come back very positive, and thanks to this she has had the opportunity to introduce herself to different people.
Her kindergarten is located in a house that is adecuate for taking care of children, but is old. Claudia is requesting a loan to repair the roof of her house in order to offer a better quality service and have peace of mind on the job.
This way, she will have a safer home to care for the children and provide the parents with peace of mind.

Also, this is a way to make her kindergarten more attractive to clients and she’ll be able to continue having this source of income for the maintenance of her household expenses.
View original language description ↓
Claudia es una persona que siempre se ha caracterizado por tener un gran carisma, y es por esto que desde muy joven ha tenido claro la actividad con la cual quería trabajar en su vida. Claudia estudió atención a la primera infancia y posteriormente montó una guardería con el aval de las entidades del gobierno en la cual educa a niños y a los cuales les brinda el cuidado que no les pueden brindar los padres ya que trabajan durante todo el día. Es así como ha visto el surgimiento de su negocio a la par de que puede desempeñar la actividad que siempre ha querido. Gracias a sus conocimientos, las visitas de los entes del gobierno que le dan la garantía para trabajar han salido muy bien calificadas, y gracias a esto ha tenido la oportunidad de hacerse conocer por diferentes personas. Su guardería la tiene ubicada en una casa que se encuentra adecuada para el cuidado de los niños y debido a que esta casa ya tiene muchos años, Claudia busca que un préstamo le brinde la oportunidad de acceder a realizar arreglos al techo de la casa donde tiene su guardería para poder ofrecer mayor calidad en su servicio y brindar tranquilidad en su oficio.

De esta manera podrá tener un hogar para el cuidado de los niños con mayor seguridad y brindará mayor tranquilidad a los padres de estos niños. Además, así podrá ser más atractiva la guardería para los clientes y podrá seguir teniéndola como fuente de ingresos para el sostenimiento de los gastos de su hogar.

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
  • 305
    View loans »
    Colombia Loans Fundraising
  • $13,787,625
    Funds lent in using Kiva
  • 1,770.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Claudia Andrea repair the roof of her house in order to offer a better quality service and have peace of mind on the job.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 22, 2012
May 2, 2012
Currency Exchange Loss:
Jan 15, 2013