Luz Adriana has always felt a calling to serve people, and for this reason she decided to study to become a nurse. Previously, she worked for a company, but Luz Adriana didn't really like working for this company, because she did not feel that she was able to serve people as she would like. In the company, they were more about making profit than serving people. For this reason, she decided to leave this position and continue to work independently. Now, Luz Adriana offers nursing services in people's homes, and in this way she feels that she can help more people. Her customers state that her services are excellent compared to the services offered in the hospitals, and so they always seek out her services instead of going to the hospital. Luz Adriana has always had the dream of being able to impact the lives of other people, and for this reason, she wants more people to be able to take advantage of her nursing services. The problem is that many times people need her services, but because of their location she is not able to accept the work. For this reason, Luz Adriana wants to buy a motorcycle to use to get around for her job. However, the motorcycle costs 3,000,000 Colombian pesos, and she has only 1,000,000 pesos available for this purchase. Therefore, Luz Adriana hopes that with a loan, she will have access to the money she lacks to buy the motorcycle, and in this way she will be able to continue to improve the quality of life of the people who need her services.
Luz Adriana siempre ha tenido la vocación de servirles a las personas, y es por esto que decidió estudiar enfermería. Anteriormente trabajaba para una empresa, pero a Luz Adriana no le gustó mucho trabajar para esta empresa puesto que allí no sentía la vocación de servirle completamente a las personas, pues interesaban más los fines comerciales que el servicio a las personas. Es por esto que decidió retirarse y seguir trabajando como independiente. Luz Adriana actualmente ofrece el servicio de enfermería a domicilio, y así siente que les ayuda más a las personas. Sus clientes manifiestan que sus servicios son excelentes comparado a los servicios de los hospitales, por esto siempre acuden a ella en vez de acudir al hospital. Luz Adriana siempre ha tenido el sueño de poder impactar en la vida de las demás personas, y por esto quiere llegar a más personas con sus servicios de enfermería, pues muchas veces requieren de sus servicios y por la dificultad de su desplazamiento no puede aceptar el trabajo. Es por esto que Luz Adriana aspira a comprar una moto para utilizarla como medio de transporte para su trabajo, sin embargo, la moto cuesta COP $3.000.000 y solo tiene COP $1.000.000; por esto, Luz Adriana espera que un préstamo le permita acceder al dinero que le hace falta para comprar la moto y poder así seguir mejorando la calidad de vida de más personas que adquieren su servicio.
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.