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María Cristina
Cristina is an active and entrepreneurial woman of 27 years of age living in rural Bello. She lives with her aunt and uncle, who have taught her everything to manage and care for calves. Thanks to this knowledge and motivated by her boyfriend, she wants to start her own business raising and selling cattle. For this reason, she is requesting the support of a loan with which she will purchase 3 calves and concentrated feed for the animals. This will allow her to generate additional income to settle her personal expenses and make progress pursuing her deepest wish, which is to succeed with this business to the point where it becomes self-sustaining and guarantees her financial stability to help her improve her quality of life.
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Cristina es una mujer activa y emprendedora de 27 años de edad, residente en una vereda del municipio de Bello, vive con sus tíos, quienes le enseñaron todo el manejo y cuidado de terneras; gracias a sus conocimientos y motivada por su novio, desea comenzar su propio negocio de cría y comercialización de ganado vacuno, es por ello que solicita el apoyo del crédito con el que comprará 3 terneras y concentrado para alimentar los animales. Esto le permitirá a Cristina generar ingresos adicionales para solventar sus gastos personales y avanzar hacia el cumplimiento de su mayor anhelo que es sacar adelante este negocio para que sea auto sostenible y le garantice una estabilidad financiera favorable que le ayude a mejorar las condiciones de vida.

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

  • $11,100
    Average annual income
  • 402
    View loans »
    Colombia Loans Fundraising
  • $16,282,675
    Funds lent in using Kiva
  • 1,964.4
    Colombia Pesos (COP) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,025 helped María Cristina to buy three calves and concentrated feed.
77% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Feb 26, 2014
Apr 4, 2014
Currency Exchange Loss: