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Karina
Karina, age 29, was born in Buga, a small city that is close to the place where she had to move for her study of Economics at the Universidad Pública del Valle. Thanks to her dedication and good effort, the university supported her in order to cover the cost of her tuition. She was also deserving of other help the institution gave to people with financial difficulties and good academic performance. These supports allowed her to satisfactorily complete her undergraduate studies.

The move to this new city was a complete challenge. This is because it meant not only encountering a new, different, and unknown world, but also because of the need to face conditions associated with the difficult financial situation her family was experiencing at the time. With her mother unemployed and her father having passed away, she saw the need to combine her daily studies with different jobs that allowed her to receive a professional education.

Now Karina’s dream is to get a master’s degree in the United Kingdom. In order to do so, she has been preparing herself ever since she completed her undergraduate studies. The only way to pay for the exams and the application expenses is to receive Kiva’s support.

Here is her story:

I now work for an organization that seeks to develop and improve the quality of life for vulnerable families in the Valle del Cauca. I do this work with love and dedication as I look for people like me to also have access to opportunities that will allow them to change their lives.

Support from Kiva would allow me to continue on with my dreams. It would be a fundamental support to strengthen the proficiency that I need for application and later for tuition at the university (TOEL, registration documents). These are expenses that, at this time and without this loan, would be very difficult to cover. These expenses would keep me from realizing the dream I have been working on for over three years.

This is a dream I hope to share once I return to the country. I will be devoting myself to helping other people who are less fortunate. I will be working with a government agency to investigate and carry out public policies for the social and economic development of vulnerable populations. In this way I will be looking for concrete mechanisms to support children and young people in our country to one day have better opportunities just like I did.
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Karina tiene 29 años y nació en Buga, una ciudad pequeña y cercana al lugar al cual tuvo que trasladarse para realizar sus estudios de economía en la Universidad Pública del Valle. Gracias a su dedicación y buen desempeño, fue apoyada por la universidad para cubrir los costos de su matrícula, al igual que fue merecedora de ayudas otorgadas por la institución a personas con dificultades económicas y con buen desempeño académico. Estos apoyos le permitieron culminar satisfactoriamente sus estudios de pregrado.

El traslado a esta nueva ciudad fue todo un reto, no solo por lo que significaba encontrarse con un mundo diferente y desconocido, sino también por la necesidad de afrontar condiciones asociadas a una difícil situación económica por la que pasaba su familia en ese momento; con su madre desempleada y su padre fallecido se vio en la necesidad de combinar sus estudios diurnos con diferentes trabajos que le permitieran formarse como profesional.

Ahora, Karina tiene el sueño de realizar una Maestría en el Reino Unido para lo cual ha venido preparándose desde que culmino sus estudios de pregrado y la única forma para pagar los exámenes y gastos de aplicación es recibiendo el apoyo de Kiva.

Aquí está su historia:

Actualmente, trabajo para una organización que busca el desarrollo y la mejora de la calidad de vida de las familias vulnerables en el Valle del Cauca, trabajo que desarrollo con amor y dedicación buscando que muchas personas así como yo también tengan acceso a oportunidades que les permitan cambiar su historia.

El apoyo de Kiva me permitiría seguir adelante con mis sueños siendo un apoyo fundamental para fortalecer las competencias que requiero para la postulación y posterior ingreso a la universidad (TOEFL, Documentos de inscripción), gastos que en este momento y sin este mecanismo serian muy complicados de cubrir impidiéndome llevar a cabo el sueño en el que llevo trabajando por más de tres años.

Este es un sueño que espero compartir una vez regrese al país dedicándome a seguir ayudando a las personas menos favorecidas, trabajando en un organismo Gubernamental para la investigación y ejecución de políticas públicas destinadas al desarrollo social y económico de poblaciones vulnerables, buscando de esta manera mecanismos concretos de apoyo para que los niños y jóvenes de nuestro país tengan mejores oportunidades así como yo las pude tener algún día.

Additional Information

More information about this loan


This loan is part of Colfuturo's "Semillero de Talentos" program, which identifies high-achieving, low-income university students and helps them apply to graduate schools abroad. The program offers loans to pay for language classes, language exams and application fees, transportation to cities for exams and interviews, and visa expenses. By funding this loan, you are helping a student with limited options pursue a graduate degree and increase their future income.

About Colfuturo:

Colfuturo is a non-profit public service institution that helps Colombian college graduates finance post-graduate degrees abroad. The organization provides loans and incentivizes recipients to return to Colombia after receiving their degrees to help the country grow and develop. Kiva loans will help low-income students at state universities afford high application costs, including exam and application fees, travel expenses, visa expenses and language courses. These loans will open new opportunities for students who have long been excluded from higher education.

About Colombia

  • $6,070
    Average annual income
  • 195
    View loans »
    Colombia Loans Fundraising
  • $13,162,950
    Funds lent in using Kiva
  • 1,798.0
    Colombia Pesos (COP) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $850 helped Karina to pay the application expenses for her studies to get her master's degree in economic development.
98% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Irregularly
Disbursed:
Nov 10, 2012
Listed
Sep 14, 2012
Currency Exchange Loss:
Possible
Ended:
Nov 23, 2014