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Laura Rosa
With a lot of capital, Laura set up her sewing workshop to make money to maintain the house she lives in with her three children, whose father abandoned them a while back without leaving any money for their support. Laura learned her craft by taking some courses which allowed her to do jobs that are noted for high quality and punctual delivery.

Laura has managed to capture a large number of clients with her work, guaranteeing good monthly sales. She hopes business will keep growing and later allow her to create jobs for others in greater need. Having finished a large order from a client, Laura is looking for a loan to make it possible to buy the sewing supplies she needs, like needles, thread, and fabric so she can fill orders that have been put in by her clients.

Laura hopes that this way she can keep growing the business, and her family can enjoy better income that will permit a higher quality of life and education. In addition, Laura hopes that if the business keeps growing at this rate, she can create at least one job for someone who needs work and doesn't have job prospects, and keep getting her children ahead in the process.
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Sin mucho capital, Laura montó su taller de confección con el ánimo de generar ingresos con los cuales pueda sostener los gastos de su hogar donde convive con sus 3 hijos, pues el padre de sus hijos los abandonó hace un tiempo sin hacer alguna contribución económica para su sustento. La actividad la aprendió haciendo algunos cursos y esto le ha permitido realizar trabajos que se caracterizan por su buena calidad y su puntualidad en la entrega. Con sus trabajos, Laura ha logrado captar un gran número de clientes que le han garantizado muy buenas ventas mensuales, por lo que espera que su negocio siga creciendo y posteriormente pueda generar empleo para las personas más necesitadas. Con la finalidad de responder a un gran pedido que le ha hecho un cliente, Laura busca que un préstamo le brinde la posibilidad de acceder a la compra de insumos que requiere para la confección como son agujas, hilos y telas y poder así responder a los pedidos que le han hecho sus clientes.

Laura espera que así siga creciendo su negocio y su familia pueda gozar de unos mejores ingresos los cuales les permitan tener una mejor calidad de vida y un estudio de mejor calidad. Además, Laura espera que si su negocio sigue creciendo a este ritmo, en su taller pueda generar como mínimo un empleo para una persona que lo requiera y no tenga oportunidades laborales y siga así sacando sus 3 hijos adelante.

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
  • 383
    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 $1,150 helped Laura Rosa to buy the sewing supplies she needs, like needles, thread, and fabric, and to be able to fill customer orders.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 16, 2012
Apr 9, 2012
Currency Exchange Loss:
Apr 17, 2014