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Kelly Johana
Kelly is a young 23 year old entrepreneur. She currently works at a business in the commercial sector, but due to the humiliation and verbal abuse she has suffered, she wants to become independent. Together with her brother, who is a student, she wants to start her own business with the goal of starting to build a better future for them and their family.

She is requesting this loan to invest in specialized advice to start a business and for design and publicity in order to have a solid base that will allow them to be competent and endure over time.

Her main hope is to become a successful small business owner and have great opportunities to grow within the local market.
View original language description ↓
Kelly, es una joven emprendedora de 23 años de edad. Actualmente labora en una empresa del sector comercial, pero debido a las humillaciones y maltrato verbal de los que ha sido víctima, desea independizarse y en conjunto con su hermano quien es estudiante, crear su propia empresa con el fin de comenzar a construir un mejor futuro para ellos y su familia.
Se encuentran solicitando un crédito que invertirán en asesoría especializada para creación de empresa y en diseño y publicidad con el objeto de tener unas bases sólidas que le permitan ser competente y ser perdurable en el tiempo.
Su mayor deseo es convertirse en una microempresaria de éxito y tener grandes oportunidades de crecer dentro del mercado local.

Additional Information

More information about this loan

This loan is part of Interactuar's effort to being innovative and high-quality non-financial products to more borrowers.

In addition to credit, the organization provides training in business management, gastronomy, tourism, marketing, design, sales, and other areas. It also advises borrowers on their new and existing businesses, and its food laboratory helps farmers increase their crop yields. Together, all of these services help borrowers gain new skills and optimize their businesses.

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
  • 352
    View loans »
    Colombia Loans Fundraising
  • $15,606,000
    Funds lent in using Kiva
  • 1,834.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Kelly Johana to get specialized advice to start a business, and for design and publicity.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 19, 2013
May 17, 2013
Currency Exchange Loss:
Nov 18, 2013