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Ana María
At the age of 21, Ana has been married for seven months and is working as a commercial consultant at a well-known clothing store. For the last four months she’s been alternating her job with helping a friend sell American clothes and she’s done very well which is why she now wants to go into this business with her own resources to earn extra income to help her husband with the household expense.

The client is a young, active entrepreneur who is focused on reaching her goals. This has led her to request a loan to buy merchandise at wholesale (blouses, jeans, jackets, shirts, etc.) to take advantage of an opportunity the store that employs her is giving her to buy merchandise at a low price which will allow her to improve her profit margin when she sells the goods. In this way, Ana will be able to continue making progress towards reaching her main goal of consolidating and strengthening her business so that it becomes profitable and long-lasting, that it generates favorable economic stability so she can continue contributing towards her home’s economy.
View original language description ↓
Ana, a sus 21 años de edad, es casada desde hace 7 meses y actualmente se dedica a laborar como asesora comercial en un reconocido almacén de ropa; desde hace 4 meses alterna su empleo ayudándole a una amiga a vender ropa americana y le ha ido muy bien, por lo que desea iniciar esta actividad pero con sus propios recursos para generar ingresos adicionales que le permitan apoyar a su esposo con la carga económica del hogar. La cliente es una joven emprendedora, activa y se proyecta hacia el cumplimiento de sus objetivos, esto la lleva a solicitar el crédito para invertirlo en la compra de mercancía al por mayor (blusas, jeans, chaquetas, camisas, entre otros), así podrá aprovechar la oportunidad que le brinda el almacén donde trabaja ya que puede comprar mercancía a precio de costo, lo que le permitirá mejorar el margen de utilidades que recibe por la venta de los productos y, de esta forma Ana podrá seguir avanzando hacia el cumplimiento de su principal meta que es consolidar y fortalecer su negocio para que sea rentable y perdurable en el tiempo, que le genere una estabilidad económica favorable para seguir aportando a la economía de su hogar.

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
  • 411
    View loans »
    Colombia Loans Fundraising
  • $16,314,875
    Funds lent in using Kiva
  • 1,937.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,550 helped Ana María to buy merchandise at wholesale.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 12, 2013
Sep 13, 2013
Currency Exchange Loss:
Sep 17, 2015