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Evelina Luz
"Opportunities are not meant to be contemplated from far away, on the horizon but rather when one presents itself you should jump on it and take a risk." With those words, 32 year old Evelina, starts the story of how she started her micro enterprise. She tells us that she was living in Cartagena, Colombia. There she learned how to process fruits and vegetables and decided to start her own business. Later she had the chance to move to Medellin, where there was more opportunity to grow her business. She took the risk and is very happy because everything is going well, thank God.

Evelina's biggest goal is to increase her production capacity because her product is very attractive in her sector. For this reason, she is requesting a loan to purchase an industrial blender that will allow her to improve her efficiency and the quality of the product. Evelina wants to increase her sales and provide a better life and a good education to her two children, ages 3 and 5.
View original language description ↓

“Las oportunidades no son para contemplarlas a lo lejos del horizonte, cuando una se te presenta hay que abalanzarse y tomar el riesgo” con estas palabras Evelina de 32 años de edad, inicia su relato sobre como se formó su microempresa, cuenta que vivía en la ciudad de Cartagena, Colombia. Allí aprendió sobre el procesamiento de frutas y hortalizas y decidió aventurarse a montar su propio negocio. Posteriormente se le presentó la oportunidad de radicarse en la Ciudad de Medellín con mejores opciones para el crecimiento de su negocio, tomó el riesgo y hoy está feliz porque gracias a la bendición de Dios, todo marcha muy bien.

Su mayor deseo es incrementar su capacidad de producción debido a que su producto es bastante apetecido en el sector. Por esta razón se encuentra solicitando un crédito para la compra de una licuadora industrial que le permitirá mejorar su calidad y eficiencia.
Desea que con la nueva adquisición sus ventas aumenten y pueda ofrecerles a sus dos hijos de 5 y 3 años de edad mejorares condiciones de vida y educación.

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
  • 401
    View loans »
    Colombia Loans Fundraising
  • $18,296,125
    Funds lent in using Kiva
  • 1,780.8
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Evelina Luz to buy an industrial blender.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 15, 2013
Feb 1, 2013
Currency Exchange Loss:
Aug 19, 2013