María Doris' smile reflects the love that she puts into her business selling meals. This is what motivates her to get up early every morning to start her work which allows her to contribute towards her household expenses. The money her husband earns is not enough to cover their family expenses. They have four children.
María Doris is a dreamer who sees herself, in the future, with her own home. There she plans to locate her business in a more organized manner and she plans to make it much bigger. This will allow her to increase her income. For now, this entrepreneur continues in her work, hoping that some day her dream will become reality.
María Doris currently needs a loan to carry out some work in her premises. She will buy another table which will allow her to work more comfortably and a deep-fat fryer to speed up her work. She will also buy some chairs and umbrellas to make her customers more comfortable.
La sonrisa de María Doris refleja el amor que le pone a su negocio de venta de comida, es éste el que la impulsa a levantarse todos los días a tempranas hora para emprender su labor que le permite contribuir a cubrir los gastos del hogar, pues con lo que su esposo gana no alcanza para cubrir los gastos de la familia conformada por 4 hijos.
María Doris es una soñadora que se visualiza en el futuro con su propia casa y allí mismo ubicar su negocio de forma más organizada y mucho más grande el cual le permita incrementar sus ingresos. Por ahora esta emprendedora continúa con su labor esperando que algún día su sueño sea una realidad.
Actualmente, María Doris necesita de un préstamo para realizar algunas adecuaciones locativas como comprar otra mesa que le permita trabajar comodamente sus productos así como adquirir una nueva fritadora para agilizar sus procesos y hacerse a una sillas y unos parasoles para ofrecerle mayor comodidad a sus clientes.
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.