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Claudia Patricia
Claudia is a young entrepreneur who has taken advantage of the opportunity her parents gave her teaching her to work the fields to set up her own business and move her family forward.

Claudia is 19 years old, married and has a two year old son who she wants to provide with everything needed for his growth. She learned to raise cattle and to milk cows to sell their milk which has generated income that allows her to offer a better quality of life in her home and greater opportunities for progress. Aiming at owning her own cow and calf, Claudia is looking for a loan that will make it possible for her to buy a cow and a calf to finish setting up her own business.

Claudia hopes that her business will move ahead this way and that she will have a job with which she can provide her son with good quality of life and in future access to a good, quality of education. In addition, Claudia dreams with having a very good family where they can avoid the economic difficulties she’s had to overcome.
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Claudia es una joven emprendedora que ha aprovechado la oportunidad de que sus padres le enseñen a trabajar el campo para montar su propio negocio y sacar su familia adelante. Claudia tiene 19 años de edad, se encuentra casada y tiene un hijo de 2 años de edad, a quien le ha querido brindar todo lo necesario para su crecimiento. Aprendió la actividad de la crianza de ganado y a ordeñar las vacas para vender su leche, con lo que ha podido generar ingresos con los cuales ofrece una mejor calidad de vida en su hogar y mayores oportunidades de progreso. Con el ánimo de poder tener su propia vaca y ternero, Claudia busca que un préstamo le brinde la oportunidad de acceder a la compra de una vaca y un ternero para terminar de montar su propio negocio.

Claudia espera que de esta manera su negocio salga adelante y pueda tener un trabajo con el cual brindar a su hijo una buena calidad de vida y en un futuro el acceso a una educación de calidad. Además, Claudia sueña con tener una muy buena familia donde puedan evitar las dificultades económicas que ella tuvo que superar.

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
  • 304
    View loans »
    Colombia Loans Fundraising
  • $18,296,125
    Funds lent in using Kiva
  • 1,759.0
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,825 helped Claudia Patricia to buy a cow and a calf to finish setting up her own business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 15, 2012
Apr 8, 2012
Currency Exchange Loss:
May 17, 2013