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Deisy Tatiana
Deisy is an entrepreneurial young woman of 21 who, aware of the lack of opportunities available to her for either studying or working, decided to set up her own business in search of financial prosperity for both herself and her family. Without a lot of experience in the business but making the most of some IT skills she gained at school, Deisy set up a stationery store where she also offers an Internet cafe service to her customers. This business enables her to make income and contribute financially to her household. She is also saving up so that she can pay for a university education for herself. Thanks to the fact that she works hard every day and continues to put in more and more work in order to grow her business, she has managed to attract a large number of customers. This guarantees her very good sales. With the aim of continuing to respond to her customers' demands, Deisy needs a loan so that she can buy stationery products and a computer. This will allow her business to continue growing and she will be able to continue improving her customer service. As a result, her sales and her income will increase, allowing her to provide her family with a better quality of life and enabling her to save more money to pay for her university studies.
View original language description ↓
Deisy es una joven emprendedora de 21 años de edad que al ver las pocas oportunidades que se le presentaban tanto para estudiar como para trabajar, decidió montar su propio negocio en búsqueda de una prosperidad económica tanto para ella como para su familia. Sin mucha experiencia en la actividad y aprovechando algunos conocimientos que tenía de informática adquiridos en su estudio, Deisy montó una papelería donde también ofrece el servicio de cibercafé a sus clientes, y con este negocio puede generar ingresos con los cuales contribuye económicamente en su hogar y también ahorra para poder pagarse sus estudios universitarios. Gracias a que trabaja fuertemente en su negocio todos los días y cada vez se esfuerza más para hacerlo crecer, su negocio ha logrado captar una gran cantidad de clientes y esto le garantiza muy buenas ventas. Con el ánimo de seguir respondiendo a la demanda de sus clientes, Deisy requiere un préstamo para comprar productos de papelería y comprar un computador para abastecer la demanda de sus clientes.

De esta manera su negocio seguirá creciendo y así seguirá ofreciendo cada vez una mejor atención a sus clientes, de modo que sus ventas aumentarán y así lo harán sus ingresos, permitiendo brindar una mejor calidad de vida en su familia y ahorrando más para poder tener sus estudios universitarios.

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
  • 482
    View loans »
    Colombia Loans Fundraising
  • $14,958,950
    Funds lent in using Kiva
  • 1,807.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,675 helped Deisy Tatiana to buy stationery products and a computer so that she can meet her customers' demands.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 31, 2012
Listed
Jul 9, 2012
Currency Exchange Loss:
Covered
Ended:
Jan 18, 2014