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Yadira Patricia
Yadira is a 37-year-old woman full of reasons to fight for a better future.

“My three daughters are the apple of my eye and the force that drives me to get up each day and work hard to guarantee them a decent life and quality of education.” With these words, Yadira gives the reasons that motivate her to get ahead.

She has been selling clothing and accessories for more than five years, which generates a good return. She is applying for a loan to buy merchandise to satisfy the demand generated by the celebration of Mother’s Day.
View original language description ↓
Yadira de 37 años de edad, es una mujer llena de motivos para luchar en búsqueda de un mejor futuro.
“Mis tres hijas son la niña de mis ojos y la fuerza que me impulsa a levantarme cada día para trabajar fuertemente y garantizarles una vida digna y educación de calidad” con estas palabras Yadira, cuenta cuales son las razones que la motivan a salir adelante.
Se dedica a la comercialización de ropa y accesorios desde hace más de cinco años, actividad que le genera una buena rentabilidad, por lo cual se encuentra solicitando un crédito que invertirá en la compra de mercancía con el fin de satisfacer la demanda generada por la celebración del día de las madres.

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
  • 244
    View loans »
    Colombia Loans Fundraising
  • $16,895,775
    Funds lent in using Kiva
  • 1,827.5
    Colombia Pesos (COP) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Yadira Patricia to buy clothing and accessories.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Apr 26, 2013
May 23, 2013
Currency Exchange Loss:
Jan 18, 2014