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Claudia Andrea
Claudia is a very hardworking person. Since the age of 18, she has worked hard with the goal of improving her parent’s financial situation. Thanks to the drive that has always characterized her, she keeps working hard and making progress little by little.

Now she is married and has a 10-year-old son. Because of her efforts, her business has grown to be a great stationary store that can generate enough income so that her family has a better quality of life.

Thanks to the good sales she has had in recent months, Claudia is looking for a loan to buy paper products and stock her store with a variety of products that have depleted. Her dream is to diversify her sales in the future since some seasons are very cold, which affects her income and makes life at home very difficult. Also, she hopes to be able to offer her son a better education.
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Claudia es una persona muy trabajadora que desde los 18 años de edad comenzó a trabajar fuertemente con el ánimo de mejorar la condición económica que tenían sus padres, y gracias al empuje que siempre la ha caracterizado ha seguido trabajando fuertemente y progresando poco a poco. Actualmente se encuentra casada y tiene un hijo de 10 años de edad, y su negocio gracias a su esfuerzo ha crecido hasta ser una gran papelería donde puede generar ingresos que le permite a su familia tener una mejor calidad de vida. Gracias a las buenas ventas que ha tenido en los últimos meses, Claudia busca un préstamo para comprar productos de papelería y surtir su almacén con productos que ya se han ido agotando.

Su sueño es poder diversificar sus ventas en un futuro ya que hay unas temporadas que son muy frías, lo que hace que sus ingresos se vean fuertemente afectados y las condiciones en su hogar se hagan muy difíciles. Además, aspira a poder ofrecerle a su hijo una educación de mejor calidad.

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
  • 361
    View loans »
    Colombia Loans Fundraising
  • $15,606,000
    Funds lent in using Kiva
  • 1,810.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Claudia Andrea buy paper products and stock her store with products that have depleted.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 25, 2012
Sep 9, 2012
Currency Exchange Loss:
Aug 19, 2013