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Leidy Yureny
Leidy is a young entrepreneur who, with great effort, already has achieved a lot despite her young age. At 19 years old, Leidy is the owner of her business, which is a stationery store where she also has an internet cafe service. At the age of only 15 she began to work in this department store, and she did it while studying in the morning and working in the afternoon. In this way she generated the income necessary to cover her own expenses and contribute economically to the expenses of her home, where she lives with her parents.

Thanks to this she began to work at a very young age. She learned the job quickly and so managed to take advantage of the opportunity to buy the stationery store when her former boss offered to sell it to her. This was approximately two years ago, and since then Leidy has been the owner of her own business, thanks to which she can support her own expenses and contribute financially in her household.

With the desire to supply her business, because of the school season, Leidy wants a loan that will give her the possibility of buying paper products and having a good supply of merchandise to sell to her customers.

Leidy hopes to be able to supply her business without affecting her monthly income. In addition, she hopes that with a greater variety of products her customers will find more reasons to shop in her store, and in this way her income will continue to increase more all the time.

Leidy dreams about getting her business ahead and that, with this, she will have the possibility of gaining access to a university education and realizing her dream of being an educated professional.
View original language description ↓
Leidy es una joven emprendedora que a pesar de su corta edad ya ha cosechado muchos frutos con gran esfuerzo. Con 19 años de edad, Leidy es propietaria de su negocio el cual es una papelería y además ofrece el servicio de café Internet. Con tan solo 15 años de edad comenzó a trabajar en este almacén y lo hacía estudiando en las mañanas y trabajando en las tardes, y de esta manera generaba los ingresos necesarios para el sostenimiento de sus propios gastos y con los que contribuía económicamente con los gastos de su hogar donde convive con sus padres. Gracias a que inició desde muy temprana edad a trabajar, aprendió la actividad rápidamente y así pudo aprovechar la oportunidad de comprar la papelería cuando su antigua jefe se lo ofreció en venta. Ya de esto hace aproximadamente 2 años, y desde entonces Leidy es la propietaria de su propio negocio y gracias a esto puede sostener sus propios gastos y contribuir económicamente en su hogar. Con el ánimo de surtir su negocio, debido a la temporada escolar, Leidy busca que un préstamo le brinde la posibilidad de acceder a la compra de productos de papelería y poder tener un buen surtido de mercancía para ofrecer a sus clientes.

Leidy espera poder surtir su negocio sin que sus ingresos mensuales se vean afectados. Además, Leidy espera que con mayor variedad de productos sus clientes encuentren más razones para comprar en su papelería, y de esta manera sus ingresos cada vez sigan aumentando. Leidy sueña con sacar su negocio adelante y con que este le brinde la posibilidad de acceder a estudios universitarios y cumplir su sueño de ser una profesional estudiada.

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
  • 269
    View loans »
    Colombia Loans Fundraising
  • $17,893,950
    Funds lent in using Kiva
  • 1,764.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Leidy Yureny to buy products for her stationery store to have a good supply for her customers.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Feb 25, 2012
Apr 3, 2012
Currency Exchange Loss:
Apr 17, 2014