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Luz Dary
Luz, who is 51, is a married woman with 3 children. 6 years ago, she found out about some nutritional products which have become well-known for their high quality and the results they achieve for those who use them. This gave her the idea for her business which she set up about a year ago. She sells these healthy products and has done well because many people today are worried about their body image. This has resulted in higher sales for her. Luz is a highly organised, lively and enterprising woman and is applying for this loan to buy stock (milkshakes, dietary supplements, multivitamins, amongst other things) wholesale so that she can continue running her business and boost her sales. Luz dreams of becoming a major distributor of these products and of working painstakingly so that many more people become interested in healthy living, as is increasingly the case in the city. This will enable her to boost her income and enjoy better living conditions, along with her loved ones.
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Luz, a sus 51 años de edad es casada y madre de 3 hijos. Desde hace 6 años conoció sobre algunos productos nutricionales que han sido muy reconocidos por su alta calidad y los resultados que presentan las personas que los consumen; de allí surgió su idea de negocio, el cual inició hace aproximadamente un año, consiste en la venta de estos productos saludables, lo que le ha dado buenos resultados debido a que hoy en día muchas personas se preocupan por su imagen corporal, aumentando así sus ventas. La cliente es una mujer organizada, activa y emprendedora, se motiva a solicitar el crédito para invertir en la compra de surtido al por mayor (batidos, suplementos dietarios, multivitamínicos, entre otros) con los que podrá continuar con su actividad y aumentar sus ventas. Luz sueña con convertirse en una gran distribuidora de estos productos y trabajar arduamente para que muchas más personas se integren a la cultura de vida saludable que cada vez está tomando más fuerza en la ciudad, de esta forma tendrá la oportunidad de mejorar sus ingresos y disfrutar de mejores condiciones de vida en compañía de las personas que ama.

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
  • 353
    View loans »
    Colombia Loans Fundraising
  • $18,296,125
    Funds lent in using Kiva
  • 1,902.4
    Colombia Pesos (COP) = $1 USD
A loan of $1,075 helped Luz Dary to buy stock wholesale (milk shakes, dietary supplements, multivitamins, amongst other things).
Repayment Term
27 months (Additional Information)
Repayment Schedule
Aug 28, 2013
Sep 30, 2013
Currency Exchange Loss:
Oct 30, 2013