Luis Eduardo runs a parking lot and is well known for the good customer service that he provides. Luis Eduardo has always been a very friendly person and his customers always prefer to use his services rather than those of others.
At 68 years of age, Luis Eduardo is single. He has a son who helps him in his free time. Luis Eduardo has a parking lot and, thanks to this parking lot, he has been able to make the income he needs to support his household.
Lately, Luis Eduardo has had a good number of customers and his parking lot has suffered from this in that his installations have become a little worn by supporting the passage of so many cars.
As he does not want to lose customers owing to the state of repair of his parking lot, Luis Eduardo would like to make some physical improvements to his lot. However, he does not have the capital he needs to carry out this work. For this reason, he hopes to receive a loan which will allow him to make the structural improvements he needs to so that his customers continue visiting him and preferring his business over others.
Luis Eduardo dreams of his parking lot becoming better known and making him more income than it does right now. This would enable him to provide jobs for those who need them most.
In addition, Luis Eduardo dreams of his son having the opportunity to study at university which will allow him to gain a well-paid job.
Luis Eduardo trabaja en un parqueadero el cual es conocido por la buena atención que ofrece.
Luis Eduardo siempre ha sido una persona muy amable, y sus clientes siempre prefieren sus servicios que el de cualquier otra persona.
Con 68 años de edad, Luis Eduardo es soltero y tiene un hijo el cual le colabora en los momentos libres.
Actualmente, Luis Eduardo tiene un parqueadero, y gracias a este parqueadero Luis Eduardo ha podido generar los ingresos necesarios para el sustento de su hogar.
Luis Eduardo últimamente ha tenido muy buena clientela, y su parqueadero ha visto las consecuencias de ellos, pues sus instalaciones ya se han visto un poco deterioradas por soportar el paso de tantos carros.
Con el ánimo de no perder sus clientes por el deterioro de su parqueadero, Luis Eduardo quiere realizarle reformas locativas a su parqueadero, sin embargo, no cuenta con el capital suficiente para poder llevar esto a cabo; es por esto que tiene la esperanza en que un préstamo le permitirá acceder a realizar reformas locativas en su parqueadero de modo que sus clientes sigan visitándolo y prefiriéndolo por encima de los otros parqueaderos.
Luis Eduardo sueña con que su parqueadero sea más reconocido, y le genere mayores ingresos que los actuales, así podrá generar empleo para los que más lo necesitan.
Además, Luis Eduardo sueña con que su hijo tenga la oportunidad de acceder a una educación universitaria que le permita desempeñarse en un empleo bien remunerado.
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.