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Cristian Javier
Cristian, 22, is married and the father of one 20-month-old son. With the purpose of acquiring an income on his own, he wishes to open up his own business, in partnership with his best friend (see photo), and take advantage of their knowledge of administration and gastronomy.

He will put together a gourmet express type of restaurant, an idea that sprung from the need to satisfy the tastes and needs of the people who travel through the area where he lives. In order to achieve this, he has already obtained the store property and requires the support of a loan to invest in the purchase of fixed assets (fridge, oven, roaster, and for kitchen setup: pots, cutlery, tableware, and other kitchen utensils), to make adjustments to the premises, and to buy wholesale products (vegetables, meat, pasta, sodas).

This way, he will be able to begin his business project, with the idea of obtaining clients that help make his business site recognized as much for the quality of its food as for the service it offers. Cristian knows that to succeed with this project, he must work with dedication, discipline and care. Only then will he make his idea a profitable business that generates a good income for him and guarantees him economic stability to offer his family a better quality of life and well-being.
View original language description ↓
Cristian, a sus 22 años de edad, es casado y padre de un hijo de 20 meses de nacido. Con el fin de adquirir ingresos por cuenta propia desea iniciar su propio negocio, en sociedad con su mejor amigo (ver foto) y aprovechar los conocimientos que tienen en administración y gastronomía. Montará un restaurante tipo gourmet express, idea que surgió de la necesidad de satisfacer los gustos y necesidades de las personas que transitan por la zona donde reside, para lograrlo ya cuenta con el local y requieren el apoyo del préstamo para invertirlo en la compra de activos fijos (nevera, horno, asador, instalar la cocina, ollas, cubiertos, vajilla, y otros utensilios de cocina), realizar adecuaciones en el local y comprar surtido al por mayor (verduras, carne, pastas, gaseosas) de esta forma podrá dar inicio a su proyecto de negocio con el ideal de conseguir clientes que hagan de su negocio un sitio reconocido por la calidad tanto de los alimentos, como del servicio que ofrecerán. Cristian es consciente que para sacar su proyecto adelante debe trabajar con dedicación, disciplina y esmero, sólo así logrará hacer de su idea una empresa rentable que le genere buenos ingresos y le garantice una estabilidad económica para brindar a su familia un mejor bienestar y calidad de vida.

Additional Information

More information about this loan

By supporting this loan, you're helping a borrower launch a new business!

This loan is designed for an entrepreneur who needs working capital to start a brand new business. Along with the loan, Kiva's field partner Interactuar provides counseling, training courses, and other financial resources to help new, riskier entrepreneurs set up young 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
  • 415
    View loans »
    Colombia Loans Fundraising
  • $16,302,550
    Funds lent in using Kiva
  • 1,940.0
    Colombia Pesos (COP) = $1 USD
A loan of $4,650 helped Cristian Javier to buy fixed assets (fridge, oven, roaster, and for kitchen setup: pots, cutlery, tableware, and other kitchen utensils), to make adjustments to the premises, and to buy wholesale products (vegetables, meat, pasta, sodas).
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 6, 2013
Sep 8, 2013
Currency Exchange Loss:
Oct 8, 2013