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Emilsen De Jesús
Emilsen, 54, wants to start her own business selling ice cream that she makes in her home. The idea came up as a way to generate income to pay for the household necessities and feel useful, because she has been unable to work for a business since she was diagnosed with a joint ailment.

Emilsen's an enterprising and active woman who very much wants to get ahead. She's motivated to request a loan to buy supplies wholesale (milk, sugar, and fruit) with which to set up her business and begin to earn an income.

Emilsen dreams that her business will be profitable and sustainable in time and that she'll expand it little by little and stock it with new products. She knows, however, that she has to work hard and with tenacity and dedication so she can realize her goal and be able to enjoy a better quality of life and well-being.
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Emilsen, a sus 54 años de edad, desea iniciar su propio negocio de venta de helados y mantecados producidos por ella misma en su vivienda, idea que surge con el fin de generar ingresos para solventar las necesidades de su hogar y sentirse útil, pues desde que le diagnosticaron una enfermedad en las articulaciones le fue imposible emplearse en una empresa. La cliente es una mujer emprendedora, activa y tiene muchas ganas de salir adelante, por ello se motiva para solicitar el crédito que será invertido en la compra de insumos al por mayor (leche, azúcar, frutas), con lo que podrá dar inicio a su proyecto productivo y comenzar a generar ingresos. Emilsen sueña con lograr que su negocio sea rentable y sostenible en el tiempo, ampliarlo poco a poco y acreditarlo con nuevos productos, pero es consciente que para cumplir su objetivo debe trabajar arduamente, con empeño y dedicación, de esta forma podrá disfrutar de una mejor calidad de vida y bienestar.

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.

Tags

About Colombia

  • $11,100
    Average annual income
  • 491
    View loans »
    Colombia Loans Fundraising
  • $15,259,900
    Funds lent in using Kiva
  • 1,892.1
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Emilsen De Jesús to buy milk, sugar, and fruit wholesale.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 10, 2013
Listed
Oct 10, 2013
Currency Exchange Loss:
Possible
Ended:
Jun 17, 2014