A skill for making handicrafts is one of the blessings that Victoria Eugenia G. L. enjoys. When she was a young girl, she knew that this could be her job in the future. After she married, she was aware of the need to contribute towards covering her household expenses and so this enterprising woman decided to turn her art into her own business. It is now a source of income for herself, her two children and her husband.
At 29 years old, Victoria is a determined, untiring lady and, in spite of the fact that she occasionally has to work long days due to the orders she has, this motivates her because she knows that it will enable her to improve her own quality of life and that of her family.
In the future, Victoria dreams of owning her own business premises. Right now, she carries out her work at home and sells her products to her neighbors, friends and family members. She needs this loan to buy stock and supplies which will allow her to increase her inventory and improve her sales.
La habilidad para las manualidades ha sido una de las bendiciones que ha recibido Victoria Eugenia G. L. quien desde pequeña supo que este podría ser su oficio en el futuro. Después de que se casó esta emprendedora mujer consciente de la necesidad de aportar a cubrir los gastos del hogar, esta emprendedora decidió hacer de su arte su propio negocio, el cual ahora es fuente de ingresos para ella sus dos hijos y su esposo.
A sus 29 años de edad es una luchadora incansable y aunque en ocasiones debido a los pedidos debe trabajar largas jornadas, esto la motiva porque sabe que así logrará mejorar su calidad de vida y la de su familia.
En el futuro Victoria sueña con tener un local propio, pues por ahora, realiza las labores en su casa y las ofrece a sus vecinos, amigos y familiares. Por ahora necesita de un préstamo para comprar surtido e insumos que le permitan aumentar su inventario y mejorar sus ventas.
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.