At 36 years of age, Mariluz is an entrepreneur who is dedicated to her business, a store where she sells all sorts of cards, plush toys, chocolates, and small items for any type of occasion. She learned this trade many years ago, since she had been selling in stores. She says that sales are a passion for her and for that reason one year ago she decided to start a new business.
Mariluz is a tireless worker who hopes to have more clients and more economic possibilities to have her store stocked with a great variety of items. This entrepreneur considers her work to be a blessing because in the future her store can be a legacy to her two children.
Currently Mariluz needs a loan to buy merchandise so that she can increase her commercial capability proportionally increasing her sales.
A sus 36 años de edad, Mariluz es una emprendedora consagrada a su negocio, una tienda donde vende todo tipo de tarjetas, peluches, chocolates y detalles para todo tipo de ocasión. El oficio lo aprendió hace muchos años, pues se ha dedicado a vender en almacenes y afirma que las ventas son una pasión para ella por lo que hace 1 año decidió emprender un nuevo negocio.
Mariluz es una luchadora incansable que espera tener mas clientes y mas posibilidades económicas para tener su negocio surtidos y con gran variedad. Esta emprendedora considera que su trabajo es una bendición, ya que en un futuro su almacén puede ser una legado para sus 2 hijos
Actualmente Mariluz necesita de un préstamo para comprar mercancía y así incrementar su capacidad de comercialización mejorando proporcionalmente 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.