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Ana Feliz
Ana is a strong woman and a fighter who has known how to earn a living with much effort. She is the mother of 3 children whom she has brought up in the company of her husband.

She has more than 35 years' experience in the field of sewing, a job she learned from her mother and now has been converted as her main source of income. She worked in different sewing businesses, where she acquired experience and perfected her techniques. But when her children were born she made the decision to make herself independent and work from home, to be more watchful of them.

Little by little, she obtained her clients and now offers her service to third parties, for whom she makes uniforms and work clothes. She has the support of her daughters, whom she has taught the work. In addition, she has the advantage of having production throughout the year, since she has contracts for different seasons. In this manner, she has succeeded in generating sufficient resources to offer daily sustenance to her family.

The loan she is applying for is to buy bulk supplies (fabric, thread, buttons, elastic, among others). With this, she will be able to finish pending work to fulfill the clients in an agile and opportune manner, which will give way to acquiring new contracts.

Ana says that her greatest desire is to give continuity and longevity to her business, so that it will serve as an inheritance for her children and will permit them to generate resources when she cannot. Therefore, she will be able to guarantee that her children will not lack economic necessities and that they will be able to enjoy a better quality of life.
View original language description ↓
Ana es una mujer luchadora y pujante que ha sabido ganarse la vida con mucho esfuerzo. Es madre de 3 hijos a los que ha sacado adelante en compañía de su esposo.
Tiene más de 35 años de experiencia en el campo de la confección, oficio que aprendió de su madre y que ahora se ha convertido en su principal fuente de ingresos. Trabajó en diferentes empresas de confección, donde adquirió experiencia y perfeccionó sus técnicas; pero cuando nacieron sus hijos, tomó la decisión de independizarse y trabajar desde su casa, para estar más pendiente de ellos.
Poco a poco consiguió sus clientes y ahora presta el servicio a terceros, a los que les confecciona uniformes y prendas de dotación; cuenta con el apoyo de sus hijas a quienes les ha enseñado la labor y además tiene la ventaja de contar con producción durante todo el año, ya que tiene contratos para diferentes épocas; así ha logrado generar los recursos suficientes para brindar sustento diario a su familia.
El crédito que solicita es para comprar insumos al por mayor (telas, hilos, botones, elásticos, entre otros); con esto podrá terminar las producciones pendientes para cumplir a los clientes de manera ágil y oportuna; dando paso para adquirir nuevos contratos.
Ana manifiesta que su mayor anhelo es darle continuidad y permanencia a su negocio, para que sirva como herencia para sus hijos y les permita generar recursos cuando ella falte, así podrá garantizar que sus hijos no pasarán necesidades económicas y podrán disfrutar una mejor calidad de vida.

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
  • 569
    View loans »
    Colombia Loans Fundraising
  • $14,881,725
    Funds lent in using Kiva
  • 1,936.8
    Colombia Pesos (COP) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,050 helped Ana Feliz to buy bulk supplies (fabric, thread, buttons, elastic, among others).
59% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 6, 2013
Listed
Jan 5, 2014
Currency Exchange Loss:
Possible