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Luz Dary
Luz, 51, is a hardworking and energetic woman. She has got ahead with effort, always motivated by the love she has for her family. She has been working as an independent saleswoman for a few years. She owns a grocery store/cafeteria, which she inherited from her father. She has a good reputation in the area because she has been working there for a long time.

She is thinking today of improving her family’s income, so she wants to make the most of the opportunity to acquire an internet café that is being sold at a good price with all the equipment she needs. This is why she is requesting support through a loan to complement the money she has to buy the business. She wants to position the business and hand it over to her children for them to administer it once it is running. This will help them to pay for their university studies.

Luz says that her biggest dream is to see her children become successful and prosperous professionals. She also hopes that they can thrive with this new business and enjoy better living conditions.
View original language description ↓
Luz, a sus 51 años de edad, se caracteriza por ser una mujer luchadora, activa y pujante, que se ha ganado la vida a pulso, siempre motivada por el amor a su familia.
Desde hace varios años trabaja como comerciante independiente, actualmente posee una tienda de abarrotes y cafetería que heredó de su padre luego del fallecimiento, cuenta con la ventaja de ser reconocida en el sector, gracias a la amplia trayectoria que tiene el negocio. Hoy en día, con el ánimo de mejorar los ingresos familiares, desea aprovechar la oportunidad que se le presenta de adquirir un negocio de café internet, que le están vendiendo a buen precio y ya con todos los equipos y los activos instalados; es por esta razón que solicita el apoyo del crédito para ajustar el capital y pagar el nuevo negocio, el cual desea acreditar para cederlo a sus dos hijos y que sean ellos quienes lo trabajen y lo pongan a producir y, en la misma medida pueden generar ingresos para terminar de pagar sus estudios universitarios.
Luz manifiesta que su mayor anhelo es ver a sus hijos convertidos en profesionales prósperos y exitosos y que logren posicionar el nuevo negocio para así disfrutar de mejor calidad de vida.

Additional Information

More information about this loan

By supporting this loan, you're helping a borrower launch a new business!

This loan is designed for an entrepreneur who needs working capital to start a brand new business. Along with the loan, Kiva's field partner Interactuar provides counseling, training courses, and other financial resources to help new, riskier entrepreneurs set up young businesses.

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
  • 395
    View loans »
    Colombia Loans Fundraising
  • $18,296,125
    Funds lent in using Kiva
  • 2,048.5
    Colombia Pesos (COP) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $2,450 helped Luz Dary to complement the money she has to buy an internet café.
63% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Feb 11, 2014
Mar 24, 2014
Currency Exchange Loss: