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Ana María
Ana María, 31, is single and the mother of a 4-year-old son. She currently has a beauty salon located at home although she also provides services in customers’ homes on a flexible schedule according to their needs. Ana María is an enterprising, hardworking woman. When she got out of high school she trained and started working in beauty salons and barber shops but finally decided to become independent once she acquired experience in this field.

She intends to use the loan she’s requesting to buy supplies and beauty products (make-up, hair color, hair treatments, nail polish, etc.) in order to have enough on hand to continue doing her work and thus attracting more customers that will generate income to continue supporting her home. Her greatest wish is to make the business grow so she can combine various services like spa, beauty salon, permanent make-up, among others and to improve her quality of life in order to be able to offer more employment opportunities.
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Ana María es una mujer de 31 años de edad, es soltera y madre de un hijo de 4 años. Actualmente tiene una sala de belleza ubicada en su casa, aunque también presta el servicio a domicilio y en horarios flexibles de acuerdo a los requerimientos de sus clientes. Ana María es una mujer emprendedora y trabajadora, cuando salió del colegio se capacitó y comenzó a laborar en salas de belleza y peluquerías, pero finalmente decidió independizarse luego de haber obtenido la experiencia en este campo. Con el crédito que solicita desea comprar insumos y productos de belleza (maquillaje, tintes, tratamientos capilares, esmaltes para uñas, entre otros), con el fin de tener disponibilidad suficiente para continuar desarrollando su actividad y, de esta manera atraer más clientes que le generen ingresos para continuar con el sostenimiento de su hogar. Su mayor deseo es hacer crecer su negocio, en el que pueda mezclar varios servicios como spa, sala de belleza, maquillaje permanente, entre otros; mejorar su calidad de vida y así poder ofrecer más oportunidades de empleo.

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
  • 412
    View loans »
    Colombia Loans Fundraising
  • $16,282,675
    Funds lent in using Kiva
  • 1,923.0
    Colombia Pesos (COP) = $1 USD
A loan of $1,050 helped Ana María to buy beauty products.
Repayment Term
27 months (Additional Information)
Repayment Schedule
May 30, 2013
Jul 1, 2013
Currency Exchange Loss:
Jul 31, 2013