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Leydy Johana
Leidy is a young woman who is 20 years of age. She has the drive and aspiration to achieve great things in life, so she wants to forge ahead through hard work and humility. Leidy is always looking for ways to make improvements in her area, but she finds it difficult to believe that the world is advancing technologically. There are areas that are restricted technologically, so Leidy wants to focus on establishing a cybercafé in hopes of providing technology equipment to people who are not able to access these resources since they are essential tools for investigation and globalization.

Her only goal is to create a business that provides technology entertainment to her town, which creates and maintains a pleasant environment for her customers. Leidy is requesting a loan in order to buy computer equipment so that she can begin her work. By becoming independent, she dreams of achieving success in her quest for self-sufficiency.
View original language description ↓
Leidy es una joven de 20 años de edad con deseos y aspiraciones en su vida de grandeza los cuales quiere forjar con trabajo y humildad y buscando siempre la mejora en su sector, pues es difícil creer que ya con lo avanzamos que se encuentra el mundo tecnológicamente hablando, haya sitios tan restringidos tecnológicamente y es en esto que Leidy quiere enfocarse ya que desea montar un cibercafé con al ánimo de brindar una herramienta tecnológica a personas que por recursos no puedan acceder a esta ya tan esencial fuente de investigación y de globalización.
Su única aspiraciones es crear un negocio que brinde un entretenimiento tecnológico a su pueblo lograr mantenerlo y crear un entorno junto con sus clientes muy agradable.
Solicita un crédito para la compra de equipos de cómputo para iniciar sus labores como independiente soñando con ser grande con ser autónoma.

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
  • 484
    View loans »
    Colombia Loans Fundraising
  • $15,254,800
    Funds lent in using Kiva
  • 1,887.0
    Colombia Pesos (COP) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,600 helped Leydy Johana to buy computer equipment for starting a cybercafé.
43% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 16, 2014
Listed
Jun 18, 2014
Currency Exchange Loss:
Possible