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Elizabeth is a single mother of two children. Since she was young she has been working on the land with her parents, who taught her this trade. She currently grows eggplant and yucca, which she sells in a local market in order to provide for her family. Elizabeth is a hardworking and active woman who is always seeking opportunities to help her get ahead. Over the last 15 years she has overcome many obstacles such as the climate that affect her crops when the rains cause floods. Elizabeth works long days from 6 a.m. to 6 p.m., motivated by her children who are her driving force in life. That is why she is requesting this loan.

Elizabeth hopes to invest the money in the purchase of some farming supplies (seeds, compost, fertilizers) in order to continue sowing and harvesting her crops and eventually expand her production so that she will be able to better provide for her children and offer them a better quality of life.
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Elizabeth, tiene 2 hijos y es madre soltera. Desde que era joven ha conocido las actividades y tareas del campo, gracias a las enseñanzas de sus padres y debido a eso actualmente posee cultivos de berenjena y yuca de los cuales obtiene los ingresos para llevar el sustento diario a su hogar, luego de vender los productos de la cosecha en el mercado del municipio. Elizabeth es una persona trabajadora, activa y siempre va buscando opciones que le permitan salir adelante, sobrepasando obstáculos externos como el clima que afecta sus cultivos cuando se generan inundaciones por las lluvias, con lo cual ha luchado durante 15 años; ella se esfuerza diariamente, laborando arduas y extensas jornadas desde las 6:00 de la mañana y hasta las 6:00 de la tarde, motivada siempre por sus hijos que son el motor de su vida. Es por eso que solicita el crédito, con el fin de invertirlo en la compra de insumos agrícolas (semillas, abonos, fertilizantes) para continuar con la siembra, cuidado y cosecha de sus cultivos, teniendo la posibilidad de ampliarlos y, así poder ofrecer a sus hijos un mejor bienestar y mejorar la calidad de vida de todos.

Additional Information

More information about this loan

By funding this loan, you are promoting entrepreneurship in remote regions, including areas recovering from guerilla warfare in Colombia, and helping to reverse the rural exodus which occurred in the past decades when a the rural population fled their countryside homes for the safer cities.

This Kiva loan was created by Kiva's field partner Interactuar specifically for Kiva funding, in an effort to reach more borrowers in rural areas. Most of the Interactuar's lending operations are focused in urban parts of Medellin. But this loan product is designed to provide working capital to riskier agricultural businesses who have been traditionally excluded from the finance sector.

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
  • 404
    View loans »
    Colombia Loans Fundraising
  • $16,282,675
    Funds lent in using Kiva
  • 1,880.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Elizabeth to buy farming supplies (seeds, compost, fertilizers).
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 24, 2013
Jul 26, 2013
Currency Exchange Loss:
Jun 17, 2014