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Laura Marcela
Laura Marcela is a 22-year-old woman who is single and has no children. She currently sells catalog products and general merchandise such as clothing, accessories, and other items. Laura has been doing this type of work since 2009 and it has allowed her to earn income to support her family financially. This also allowed her to fulfill one of her dreams, which was to graduate as a Certified Dental Assistant.


Laura is an enterprising person who has a natural instinct for business and the drive to succeed. In order to generate more profit, she takes advantage of internal promotions offered through the catalogs and then sells the merchandise to the general public at a stated price. With the loan she is requesting from Interactuar, Laura will buy more merchandise such as body crèmes, perfumes, trinkets, toiletries, and cosmetics, as well as a display cabinet that she needs to exhibit her products. As a result, she will be able to offer a greater variety to her customers, increase her sales, and eventually raise her income level. Her main goal is to establish a career in sales, so she wants to take advantage of this current opportunity of selling catalog products in order to improve her quality of life.

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Laura Marcela es una mujer de 22 años de edad, es soltera y aún no tiene hijos. Actualmente se dedica a la venta de productos por catálogo y mercancía en general, como ropa, accesorios, entre otros; actividad que realiza desde el año 2009, con la cual ha logrado obtener ingresos para apoyar económicamente a su familia y además le permitió cumplir uno de sus sueños que era graduarse como Técnica Auxiliar en Salud Oral. Laura es una persona emprendedora, con habilidad comercial intuitiva y espíritu de superación; para generar mayores utilidades ella aprovecha las promociones internas que sacan en los catálogos y luego vende la mercancía al precio estipulado para el público general. Con el crédito que solicita en la Corporación desea comprar más mercancía (cremas corporales, perfumes, bisutería, productos de aseo, cosméticos) y una vitrina que requiere para exhibir los productos; de esta forma podrá ofrecer más variedad a sus clientes, incrementar sus ventas y por ende aumentar el nivel de ingresos. Su principal sueño es hacer carrera en el área de las ventas y desea aprovechar la oportunidad que se le presenta con la venta de productos por catálogo, para mejorar su calidad de vida.

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.

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About Colombia

  • $6,070
    Average annual income
  • 544
    View loans »
    Colombia Loans Fundraising
  • $14,658,975
    Funds lent in using Kiva
  • 1,927.3
    Colombia Pesos (COP) = $1 USD
Expired
A loan of $1,050 helped Laura Marcela to buy merchandise and a display cabinet for exhibiting her products.
Repayment Term
18 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 29, 2013
Listed
Jul 2, 2013
Currency Exchange Loss:
Covered
Expired:
Aug 1, 2013