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Dioselina De Jesús
At 58 years of age, Dioselina is a mother to two children and head of the household. Throughout her working life, she has worked as a nurse in different clinics and hospitals in the city but due to an accident she had, she was left with irreparable injuries which left her with physical problems, hence why she makes her living making and selling scarves which she made, as well as selling catalog products with which to generate enough financial resources to support her family's needs. She benefits from the advantage of managing her own time, which allows her to have more independence to care for her children while carrying out her work.

Dioselina wants to invest the loan in the purchase of basic goods and bulk goods (wool, accessories, perfume, body cream and so on); this way she will be able to stock up for the end-of-year season in which demand for her products increases, generating a higher level of profits that will help her improve her quality of life.

Dioselina says that her main aim is to set up her business in a commercial store, located in an area that is highly frequented to improve her sales and the income that she makes; with these sales, she will be able to continue financially supporting her children and enjoy a good level of health with them.
View original language description ↓
Dioselina, a sus 58 años de edad, es madre de dos hijos y cabeza de hogar. Durante su vida productiva trabajó como enfermera en diferentes clínicas y hospitales de la ciudad pero debido a un accidente que sufrió, quedó con secuelas irreparables dejándola con problemas físicos; razón por la que se dedica a elaborar y vender bufandas tejidas por ella, además de vender productos por catálogo con el fin de generar los recursos económicos suficientes para sustentar las necesidades de su familia. Cuenta con la ventaja de manejar su propio tiempo, lo que le permite tener mayor independencia para estar al cuidado de sus hijos, mientras realiza sus labores.
El crédito que solicita desea invertirlo en la compra de materia prima y surtido al por mayor (lana, accesorios, perfumería, cremas corporales, entre otros), así podrá abastecerse para la temporada de fin de año en la que la demanda de sus productos se incrementa, generándole mayor nivel de utilidades que le ayudarán a mejorar su calidad de vida.
Dioselina manifiesta que su principal meta es poder montar su negocio en un local comercial, que esté ubicado en un sector muy transitado para mejorar sus ventas y los ingresos que recibe; con lo que podrá seguir apoyando económicamente a sus hijos y disfrutar junto a ellos un mejor bienestar.

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.

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About Colombia

  • $6,070
    Average annual income
  • 265
    View loans »
    Colombia Loans Fundraising
  • $13,496,050
    Funds lent in using Kiva
  • 1,934.5
    Colombia Pesos (COP) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,575 helped Dioselina De Jesús to buy basic items and bulk goods (wool, accessories, perfume, body cream and so on.
56% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 13, 2013
Listed
Dec 15, 2013
Currency Exchange Loss:
Possible