Deiver is a person who is characterized by having worked hard for a great part of his life. Married, and with an 11-year-old son, Deiver works as a foreman at an estate that is close to his house. He also works independently - he has livestock that produce some extra income for him. Deiver dreams that his son can have access to a good education. In addition, he wants his family to have a better quality of life than that which they can obtain now.
Deiver has raised livestock for a long time, and thanks to the experience that he has acquired, his cattle are known for their good quality. Deiver now has some cattle which he has already sold through an agreement that he made with a customer. For this reason, he needs to begin raising some new ones. This is why Deiver is looking to purchase these new cattle to begin raising them; nevertheless, he doesn't have sufficient capital now, so he hopes that a loan will offer him the possibility of buying the cattle to raise them and be able to sell a good quality product to his customers.
Deiver hopes that his business will not end, but that he can continue increasing his sales. In this way, he will be able to continue generating sufficient income to offer his son a better quality of life.
Deiver es una persona que se ha caracterizado por trabajar fuertemente gran parte de su vida. Casado, y con un hijo de 11 años, Deiver se dedica a la actividad de mayordomo en una finca cercana a su vivienda, y de manera independiente tiene ganado que le produce unos ingresos extras.
Deiver sueña con que su hijo pueda acceder a una buena educación, además, quiere que su familia tenga una mejor calidad de vida que la que pueden obtener actualmente.
Deiver ha criado ganado mucho tiempo, y gracias a la experiencia que ha adquirido, sus ganados son reconocidos por su buena calidad.
Deiver actualmente tiene unos ganados los cuales ya los tiene vendidos en un pacto que hizo con un cliente, por lo que necesita comenzar a criar unos nuevos. Es por esto que Deiver busca la compra de dichos ganados para comenzar su crianza, sin embargo, Deiver no cuenta con el capital suficiente actualmente, por lo que tiene la esperanza en que un préstamo le brinde la posibilidad de acceder a la compra de el ganado para su crianza y poder venderlos a sus clientes en una buena calidad.
Deiver espera que su negocio no se vea parado, sino que siga adelante incrementando sus ventas. De este modo podrá seguir generando los suficientes ingresos como para brindarle a su hijo una mejor calidad de vida.
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.