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Omaira Lucia
Omaira is married and is the mother of 3 children, and she wants to provide her children with the best possible education. About 3 years ago, when she won a raffle, she decided that she would use this money to start a business selling clothing to the residents of her town. With the money that she won in this raffle, she bought clothing and started to sell it to her relatives, friends and neighbors. In this way, she was contributing income to support the household expenses. Since then, Omaira has increased her sales, because of the good quality of her products. Thanks to the income that Omaira generates, her 3 children have been able to enjoy a better education and a better quality of life.

Omaira now has a large order from a customer which she cannot fulfill with the stock that she has on hand, but she also does not have enough money to purchase this merchandise. For this reason, Omaira hopes that a loan will provide her with the opportunity to make a purchase of clothing to stock up her business and also fulfill this large outstanding order.

Omaira hopes that in this way, her income will increase considerably, as this order is really big and this customer has a good payment history. Omaira's dream is that her husband and their 3 children will have a better quality of life, and in the future the children will be able to get a college education that will prepare them to get a high-paying job.
View original language description ↓
Omaira se encuentra casada y es madre de 3 hijos a los que quiere brindarles la mejor educación posible. Desde hace cerca de 3 años, cuando se ganó una rifa, decidió con este dinero empezar a comercializar ropa a los habitantes de su municipio. Con el dinero que se ganó en esta rifa, compró ropa y empezó a venderla a sus familiares, amigos y vecinos, y así fue aportando ingresos para contribuir al sostenimiento de los gastos de su hogar. Omaira desde entonces ha incrementado sus ventas gracias a la buena calidad de sus productos. Gracias a los ingresos que genera Omaira, sus 3 hijos han podido gozar de una mejor educación y una mejor calidad de vida.

Omaira actualmente tiene un gran pedido por parte de un cliente, el cual no puede satisfacer con el surtido que tiene actualmente, y tampoco cuenta con el dinero suficiente para realizar la compra de esta mercancía. Es por esto que Omaira espera que un préstamo le brinde la oportunidad de acceder a la compra de ropa para surtir su negocio y poder cumplir con el pedido que le ha hecho un cliente.

Omaira espera que de esta manera sus ingresos aumenten considerablemente, pues el pedido es bastante grande y este clientes es bastante cumplido con el pago. Omaira sueña con que su esposo y sus 3 hijos tengan una mejor calidad de vida, y en un futuro sus hijos puedan acceder a una educación universitaria que les permita estar preparados para conseguir un empleo bien remunerado.

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
  • 285
    View loans »
    Colombia Loans Fundraising
  • $17,900,800
    Funds lent in using Kiva
  • 1,805.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Omaira Lucia to buy clothing to stock up her business and fulfill an order that one of her customers has made.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Jan 26, 2012
Feb 4, 2012
Currency Exchange Loss:
Jun 20, 2013