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Berta Lucía
Around two years ago Berta decided to start her own business in order to help her husband with the household expenses. She set up a sewing studio in a small space in her home. She works Monday through Saturday from 8:00 am to 6:00 pm and her oldest daughter helps her. She learned this business from some friends and thanks to training courses provided by the mayor's office she was able to expand her knowledge and improve her technique, which has made her known in the area and won her contracts with good businesses for whom she makes uniforms. Her charisma, drive, and dedication have allowed her to get ahead and previous loans have provided her with the support to strengthen her business little by little. This is why she is asking for her sixth loan; she needs to renovate her workspace (paint and expansion) and perform maintenance on her sewing machines' motors. This will improve her work conditions and give her more space to facilitate her end-of-year output, as her demand increases. She will also be able to fill her orders in a timely manner with excellently executed, quality garments. This will generate more income for her household and pave the way to acquiring new contracts. Berta wants to keep working hard to move forward with her income-generating business as she dreams of having a much bigger sewing workshop that will allow her to grow and offer job opportunities, especially to single mothers. In this way, she will improve the quality of life of not only her family, but that of all the people who take part in this difficult, demanding work.
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Berta hace 2 años aproximadamente decidió iniciar su propio negocio con el fin de apoyar a su esposo con la carga económica del hogar, montó un taller de confección en un pequeño espacio de su vivienda, trabaja de lunes a sábado de 8:00 am a 6:00 pm y cuenta con el apoyo de su hija mayor; esta actividad la aprendió por medio de algunas amigas y gracias a cursos de capacitación que la alcaldía del municipio desarrolló, pudo complementar sus conocimientos y mejorar las técnicas, lo que le ha permitido darse a conocer en el sector y adquirir contratos con buenas empresas a las cuales les confecciona uniformes. Su carisma, empuje y dedicación le han permitido salir adelante y ha encontrado en créditos anteriores el apoyo para fortalecer su negocio poco a poco, es por ello que solicita su sexto ciclo crediticio, pues requiere adecuar el espacio de trabajo (pintura y ampliación) y, hacer mantenimiento de los motores de sus máquinas de confección; esto le permitirá mejorar las condiciones de trabajo y podrá tener más espacio para agilizar la producción de fin de año, pues la demanda del servicio aumenta, además podrá cumplir con las entregas de manera oportuna y con prendas de excelente terminación y calidad, generando así mejores ingresos para su hogar y, abriéndose paso para adquirir nuevos contratos. Berta desea seguir trabajando arduamente para sacar adelante su actividad generadora de ingresos, pues sueña con poder adquirir un taller de confección mucho más amplio, que le permita crecer y brindar oportunidades de trabajo, especialmente a madres cabeza de hogar; así mejorará la calidad de vida tanto de su familia, como la de las demás personas que influyen en esta ardua y exigente labor.

Additional Information

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
  • 392
    View loans »
    Colombia Loans Fundraising
  • $16,230,175
    Funds lent in using Kiva
  • 1,924.9
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Berta Lucía to renovate her workspace (paint and expansion) and to perform maintenance on her sewing machines' motors.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 10, 2013
Nov 11, 2013
Currency Exchange Loss:
Dec 17, 2014