Diana is a person who has had to face much adversity in her life; however, her desire to get ahead has allowed her to overcome the difficulties and continue making progress along with her husband. Diana is an industrial technician who, owing to the scarcity of work opportunities, had to start her own business in order to generate the necessary income for contributing to the upkeep of her household. Diana is married and along with her husband has been able to get ahead and overcome the many difficulties her life has presented to her. Diana devotes her time to staffing her gift shop where she also sells stationery supplies, and thanks to this she generates income for her household. In hopes of servicing needs related to the school year, when consumption of paper products goes up considerably, Diana aspires to a loan which may allow her the possibility of making purchases of paper products so she may have a good inventory for the beginning of the school year.
Diana hopes that in this way her income continues to increase and that she may continue offering her husband a better quality of life. Diana dreams of being able to expand her business and move into a larger location where she may offer her customers a greater variety of products.
Diana es una persona que ha tenido que atravesar por muchas adversidades en su vida, sin embargo, sus ganas de salir adelante le han permitido superar las dificultades y continuar progresando junto con su esposo. Diana es una tecnóloga industrial que debido las pocas oportunidades laborales que encuentra, tuvo que iniciar su propio negocio para generar los ingresos necesarios para contribuir con el sostenimiento de su hogar. Diana se encuentra casada y junto con su esposo ha podido salir adelante y superar muchas dificultades que le ha presentado la vida. Diana se dedica a la atención de su tienda de sentimientos donde además ofrece productos de papelería, y gracias a esto genera los ingresos para su hogar. Con el ánimo de atender la temporada escolar, donde el consumo de productos de papelería aumenta considerablemente, Diana aspira a que un préstamo le brinde la posibilidad de acceder a la compra de productos de papelería que le permita estar con buen inventario para el inicio de la temporada escolar.
Diana espera que de esta manera sus ingresos sigan aumentando y pueda seguir ofreciendo a su esposo una mejor calidad de vida. Diana sueña con poder expandir su negocio y ubicarse en un local más amplio donde pueda ofrecer a sus clientes mayor variedad de productos.
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.