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Leidy Tatiana
Leidy, 23, is a young entrepreneur for whom finding employment in a firm was difficult because of her lack of experience. Therefore, three years ago she decided to start her own independent commercial path selling children’s clothes and nutritional products from a world-renowned firm. The idea arose thanks to a friend who suggested she go into this activity and she gradually acquired experience and became known in the sector.

Her self-improvement spirit, energy and enthusiasm lead her to seek new alternatives to move forward and this is why she’s requesting the loan she wants to use to stock up on merchandise at wholesale (baby clothes and clothes for children aged 1-6) and nutritional products (blended drinks, diet shakes, vitamins, multivitamins, etc.) In this way she’ll have a more varied inventory on-hand to meet demand that rises with the arrival of Christmas and her income will rise accordingly.

Leidy wants to continue working to become well-known and to strengthen her business so that in future she can reach her dream of opening her clothing and children's and infant's accessories store for she’s passionate about her work and sees it as a good source of income to ensure her family’s favorable economic stability and better quality of life.
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Leidy es una joven emprendedora de 23 años de edad, que debido a la falta de experiencia laboral le ha sido difícil emplearse en una empresa, por lo que desde hace 3 años decidió emprender su camino en el campo del comercio independiente, vendiendo ropa para niños y productos nutricionales de una marca muy reconocida a nivel mundial; la idea surgió de una amiga que le sugirió comenzar esta actividad y, poco a poco fue adquiriendo experiencia y dándose a conocer en el sector. Su espíritu de superación, su energía y entusiasmo la llevan a buscar nuevas alternativas que le permitan salir adelante; por ello solicita el apoyo del crédito con el que desea abastecerse de mercancía al por mayor (ropa para bebés y niños de 1 a 6 años) y productos nutricionales (batidos, malteadas dietéticas, vitaminas, multivitamínicos, entre otros), así podrá tener más variedad de inventario para satisfacer la demanda que aumenta con la llegada de la temporada de navidad, incrementando también sus ingresos económicos. De esta manera Leidy desea seguir trabajando para acreditar y fortalecer su negocio y, en un futuro poder cumplir el sueño de montar su propio almacén de ropa y accesorios para bebés y niños, pues le apasiona su labor y ve en ella una buena fuente de ingresos para garantizar a su familia una estabilidad económica favorable y una mejor calidad de vida.

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.

Tags

About Colombia

  • $6,070
    Average annual income
  • 388
    View loans »
    Colombia Loans Fundraising
  • $14,624,375
    Funds lent in using Kiva
  • 1,881.5
    Colombia Pesos (COP) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $2,675 helped Leidy Tatiana to buy merchandise at wholesale.
67% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 27, 2013
Listed
Oct 29, 2013
Currency Exchange Loss:
Possible