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Luz Adriana María
Luz Adriana, 36 years old, is a fighter who is convinced that with discipline and effort it is possible to get where you want to go. She says that although money has never been her greatest ally, she is always looking for opportunities that will allow her to improve her financial situation and offer her family a better quality of life.

A month ago, she made the decision to start her own business with her husband, so they opened a stationery store with the goal of satisfying an unmet need in her area and generating resources for household expenses and the education of their two minor children. Today she is asking for a loan that will go toward purchasing computer equipment, furniture, and stationery items. She hopes that her new business project will reach the break-even point and provide economic stability to her family.
View original language description ↓
Luz Adriana de 36 años de edad, es una mujer luchadora que está convencida que con disciplina y esfuerzo es posible llegar a donde se desea. Cuenta que aunque el dinero nunca ha sido su mayor aliado, siempre se encuentra en búsqueda de oportunidades que le permitan mejorar sus condiciones económicas y ofrecerle a su familia una mejor calidad de vida.
Desde hace un mes, tomó la decisión de montar su propio negocio en conjunto con su esposo, por lo cual abrieron una papelería con el propósito de satisfacer la necesidad carente en su localidad y generar recursos para los gastos del hogar y la educación de sus dos hijos menores de edad. Hoy se encuentra solicitando un crédito que destinará en la compra de un equipo de cómputo, mueble y artículos de papelería. Espera que su nuevo proyecto de empresa alcance el punto de equilibrio y le brinde una estabilidad económica a su familia.

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
  • 366
    View loans »
    Colombia Loans Fundraising
  • $16,188,475
    Funds lent in using Kiva
  • 1,813.6
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Luz Adriana María to purchase computer equipment, furniture, and stationery products.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 22, 2013
Mar 23, 2013
Currency Exchange Loss:
Apr 17, 2014