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Claudia is married and has two children, 4 and 13 years old. Since her husband did not earn enough to provide a good quality of life in their home, Claudia decided to start her own business which would help her household financially and enable her two children to have a better quality of life and her and her husband to overcome their economic difficulties. That was why she began selling a few vegetables and then gradually grew until now she has a general store where she offers a range of essential products to her customers.

The financial situation of her home has been improving and she expects her older son to be able to continue having a good quality education and that her younger son, who is about to start school, will also be able to have one. Claudia is requesting a loan to purchase basic household supplies and to stock her store with some products that have sold out.

Her dream is that this store will move forward and that her sons and husband will have the opportunity to have a better quality of life and more opportunities to succeed.
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Claudia se encuentra casada y tiene 2 hijos de 4 y 13 años de edad, y debido a los ingresos que generaba su esposo no estaban siendo suficientes para poder tener una buena calidad de vida en su hogar, decidió montar su propio negocio con el cual pudiera apoyar económicamente en su hogar y permitir que sus 2 hijos pudieran tener una mejor calidad de vida y las dificultades económicas de ella y su esposo pudieran ser superadas. Fue así como comenzó vendiendo algunas verduras y poco a poco ha venido creciendo hasta ahora tener una tienda general donde ofrece productos de la canasta familiar a sus clientes. La situación económica en su hogar ha venido mejorando y espera que su hijo mayor pueda seguir accediendo a una educación de buena calidad y que su hijo menor que pronto ingresará a estudiar también lo pueda hacer. Claudia busca un préstamo para comprar productos de la canasta familiar y surtir su tienda de algunos productos que ya se han ido agotando.

Su sueño es que esta tienda salga adelante y sus hijos y su esposo tengan la oportunidad de tener una mejor calidad de vida y mayores oportunidades económicas para progresar.

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
  • 417
    View loans »
    Colombia Loans Fundraising
  • $16,282,675
    Funds lent in using Kiva
  • 1,818.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,400 helped Claudia to purchase basic household supplies and stock her store with several products that have sold out.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 17, 2012
Aug 24, 2012
Currency Exchange Loss:
Sep 25, 2014