Leddy is the mother of two children, 9 and 6. She's an entreprenuer who decided to start her own business selling clothing such as shirts, t-shirts, jeans, shoes and underwear, so that she could earn money to help support herself and her children. She has been doing this work for two years, selling the items to her friends and family members. Leddy needs to buy an assortment of shirts, t-shirts and jeans to have enough merchandise for her customers, to increase her sales, and to generate more income for her home. Leddy Astrid's dream is to enable her children to have a good education and to have a well positioned business.
La señora Leddy es madre de dos hijos de 9 y 6 años de edad, es una emprendedora quien con el animo de generar sus propios ingresos para su sostenimiento y el de sus hijos, decide empezar su propio negocio de venta de ropa tal como camisas, camisetas, jeans, zapatos y ropa interior, esta labor la realiza desde hace dos años, vendiendo sus productos a sus amigos y familiares. La señora Leddy necesita de la compra de surtido de camisas, camisetas y jeans para poder tener productos suficientes para sus clientes, aumentar sus ventas y generar mayores ingresos para su hogar. El sueño de la señora Leddy Astrid es brindarles una buena educación a sus hijos y tener su negocio bien posicionado.
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.