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Antonio José
Antonio is 45 years old and is a visionary man with very definite goals. He started off as a gardener 15 years ago and this allowed him to get ahead. He decided to use his savings to start his own gardening business. He gets up early every day in search of customers and asks God for the weather to cooperate now that is the rainy season and the work opportunity decreases.

His greatest desire is to be able to expand his business and offer jobs to other persons and improve his financial situation so that he can provide his wife with a better quality of life.

He is asking for this loan to buy a scythe and other tools so he can keep working and provide good service.
View original language description ↓
Antonio tiene 45 años de edad. Es un hombre visionario y con metas muy bien definidas. Comenzó como jardinero hace más de 15 años, actividad que le permitió salir adelante y abrirse camino en la vida. Con sus ahorros decidió montar su negocio destinado a la prestación de servicio de jardinería. Diariamente se levanta muy temprano en búsqueda de clientes, y ruega a Dios que el clima le favorezca ya que en temporada de lluvia la labor disminuye considerablemente.

Su mayor deseo es poder expandir su negocio ofreciéndoles oportunidad de empleo a otras personas y mejorando su situación económica para ofrecerle a su esposa una mejor calidad de vida.
En la actualidad se encuentra en búsqueda de un crédito con el fin de comprar una guadaña y herramientas para seguir laborando y ofrecer un servicio de 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
  • 378
    View loans »
    Colombia Loans Fundraising
  • $16,201,675
    Funds lent in using Kiva
  • 1,780.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Antonio José to buy tools.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Dec 28, 2012
Feb 1, 2013
Currency Exchange Loss:
Feb 20, 2015