Tenacious is the best word to describe Yeny Andrea. She is an 18 year old young woman, and she has a two year old child. She is a single mother and the head of the family. She works very hard to cover their necessities.
Yeny Andrea works for hours cultivating flowers close to her house. As an independent worker she has dairy cows. She learned how to raise dairy cows from her father, who has always been a big support for her.
Yeny Andrea dreams of being able to have her own house and her own household. She wants to be able to give her child everything that he needs.
Luchadora es la mejor palabra para describir a Yeny Andrea, una joven que a la edad de 18 años, ya tiene un hijo de 2 años, es madre soltera cabeza de familia y trabaja fuertemente para cubrir sus necesidades. Yeny Andrea trabaja por horas en un cultivo de flores cerca de su casa, y como independiente con unas vacas lecheras que tiene. La actividad de la crianza de las vacas lecheras la aprendió de su padre, quién siempre ha sido un gran apoyo para ella. Yeny Andrea sueña con poder tener su propia casa, su propio hogar y poder brindarle a su hijo todo lo que necesita.
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.