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Tomasa Ines
Like many women from the countryside Tomasa is seeking to become financially independent. Their partners see them almost always as housewives who should look after the household. The women themselves are trying to change this way of thinking and show that they have the same skills as men when it comes to farming and being productive. They wish to earn their own money which is well-deserved after all the hard work they put in every day.

For her part Tomasa raises chickens. She has been able to earn money for the household and help out in difficult times. She is seeking a loan to buy special feed for her chickens. The loan will enable her to earn more money for the family.
View original language description ↓
Tomasa como muchas mujeres del campo que se dedicaron a la búsqueda de independencia económica con respecto a sus parejas que la veían casi siempre como mujer que debían dedicarse al hogar, pues este pensamiento ellas mismas lo han venido cambiando y demostrando que tiene las mismas habilidades del hombre para realizar trabajos del campo y ser productivas para su hogar sin descuidar sus propios gastos personales que son muy merecidos debido al trabajo duro que realizan cada día.
Tomasa, como trabajadora del campo tiene su cría de pollos, con las que ha podido convertirse en una fuente de ingresos para su hogar y ayudar ellos tiempos de crisis del campo. Solicita un crédito para la compra de concentrados y alimentos para engordar sus pollos.
Este crédito le permitirá tener unos mejores ingresos familiares.

Additional Information

More information about this loan


By funding this loan, you are promoting entrepreneurship in remote regions, including areas recovering from guerilla warfare in Colombia, and helping to reverse the rural exodus which occurred in the past decades when a the rural population fled their countryside homes for the safer cities.

This Kiva loan was created by Kiva's field partner Interactuar specifically for Kiva funding, in an effort to reach more borrowers in rural areas. Most of the Interactuar's lending operations are focused in urban parts of Medellin. But this loan product is designed to provide working capital to riskier agricultural businesses who have been traditionally excluded from the finance sector.

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
  • 506
    View loans »
    Colombia Loans Fundraising
  • $14,666,500
    Funds lent in using Kiva
  • 1,884.1
    Colombia Pesos (COP) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $800 helped Tomasa Ines buy specialized food for her chickens.
48% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 31, 2014
Listed
Jul 6, 2014
Currency Exchange Loss:
Possible