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Ana Maris
Ana, 45, is mother of two children and head of household since separating from her husband some years ago. During her productive life she’s been employed in a variety of firms. Her latest job was in a mobile phone company but in order watch over her children more carefully she decided to retire from it and open her own business, an Internet café she set up in a locale where it operated for a time. Later on she had to close it for reasons beyond her control

Now, she’s purchased her own house and wants to start again independently so wants to set up her Internet café again since she has available space and won’t have to pay rent. This motivates her to request a loan because she needs to buy computers, tables, chairs, printers and also needs to finish doing the physical modifications to the site to start her productive project from which she hopes to get good results while at the same time being able to do her household chores.

Ana’s a driven, active, enterprising woman. Her self-improvement spirit push her to get ahead always. Motivated by her children she rises daily to continue to strive to give them better well-being. She dreams in future to open several branches of her Internet café alternating it with a shoe and clothing store. But she’s well-aware that to accomplish this she must work hard with dedication and focus for only this way will she be able to improve her immediate family’s quality of life.
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Ana, con 45 años de edad, es madre de 2 hijos y cabeza de hogar, tras la separación de su esposo hace algunos años. Durante su vida productiva se ha dedicado a trabajar como empleada en diferentes empresas, su último empleo fue en una empresa de telefonía móvil pero, con el fin de estar pendiente de sus hijos, decidió retirarse y montar su propio negocio, un café internet que instaló en un local donde funcionó por algún tiempo, luego tuvo que cerrarlo por cuestiones ajenas a su voluntad. Hoy en día ya compró su casa propia y desea iniciar nuevamente como independiente, por lo que desea montar nuevamente una sala de internet, ya que tiene el espacio disponible y no tendría que pagar arriendo. Esto la motiva a solicitar el crédito, pues requiere comprar computadores, mesas, sillas, impresora y, además requiere terminar unas adecuaciones en el espacio, de esta forma dará inicio a su proyecto productivo, con el que espera obtener buenos resultados al mismo tiempo que está pendiente de las labores en su hogar. Ana es una mujer pujante, activa y emprendedora, su espíritu de superación la impulsan para salir siempre adelante, motivada por sus hijos, es por ellos que se levanta cada día para seguir luchando y darles un mejor bienestar. Ella sueña para un futuro, poner varias sucursales de café internet y al mismo tiempo alternar con una boutique de ropa y calzado, pero es consciente que para lograrlo debe trabajar arduamente, con empeño y dedicación, sólo así podrá mejorar la calidad de vida de todo su núcleo familiar.

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

  • $6,070
    Average annual income
  • 388
    View loans »
    Colombia Loans Fundraising
  • $14,624,375
    Funds lent in using Kiva
  • 1,880.9
    Colombia Pesos (COP) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $4,275 helped Ana Maris to buy computers, tables, chairs, printers and finish doing physical site improvements.
38% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 20, 2013
Listed
Oct 22, 2013
Currency Exchange Loss:
Possible