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Maria Idelisa
María is a woman of African descent who had to leave her homeland for security reasons and set out for a new world in the city with her family. But that's not everything; María is a real example of self-improvement, since despite going through the forced displacement she is separated and has had to bring up her three children on her own. She does this by selling clothing and products from catalogues, as well as selling fast food. She learnt these activities from scratch because of the need to provide food for her children.

María is very grateful to God for the opportunity she has been given in life since things are better better now than they were in her home country, although she misses it a lot. She sees a lot of evidence that the only thing stopping people from making progress is laziness.

She is asking for a loan to buy an assortment of clothing and products on offer, hoping to improve her finances by covering events on special dates which are celebrated in Colombia.
View original language description ↓
María una mujer afrodecendiente que por cuestiones de seguridad tuvo que dejar su tierra natal y aventurarse junto con su familia en un mundo nuevo para ella la ciudad.
Pero eso no es todo María es un verdadero ejemplo de superación pues a pesar de vivir el desplazamiento forzado es una mujer separa y tuvo que criar sus tres hijos ella sola, y lo hace gracias a la venta de ropa y productos por catálogo que alterna con la venta de comidas rápidas actividades que aprendió empíricamente ante la necesidad de alimentar a sus hijos.
María agradece mucho a dios por esta oportunidad que le dio la vida pues está mejor de cómo estaba en su tierra natal aunque la extraña mucho y da mucha evidencia que lo único que frena el progreso del hombre es la pereza.
Solicita un crédito para la compra de surtido de ropa y productos en promoción aspirando a mejorar su economía y cubriendo eventos de fechas especiales que se celebran en Colombia.

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.

Tags

About Colombia

  • $6,070
    Average annual income
  • 511
    View loans »
    Colombia Loans Fundraising
  • $14,638,350
    Funds lent in using Kiva
  • 1,910.2
    Colombia Pesos (COP) = $1 USD
Expired
A loan of $425 helped Maria Idelisa to buy clothing and catalogue products on offer which will give her more profit.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 28, 2014
Listed
Jun 9, 2014
Currency Exchange Loss:
Possible
Expired:
Jul 9, 2014