Doralba has always been a very hard-working person. This quality has allowed her to overcome great adversities that have presented themselves in her life. Doralba is married and has two children who are 6 and 13 years old. She has always wanted to provide her children with a good quality of life and a good education.
As the salary that her husband earned wasn't enough to cover their household expenses, Doralba decided to set up a business which would make her income so that she could contribute financially towards their household and enjoy a better quality of life. She set up a restaurant which she has now been working in for a number of years. She is very well known among her customers owing to the good quality of the food that she sells and the good customer service that she always provides.
As she is experiencing a high increase in sales, Doralba is looking for a loan that will allow her to buy supplies for preparing her meals such as vegetables, rice, etc. This will enable her to continue providing her customers with a good service and she will be able to continue increasing her sales and improving her income. This will ensure that the members of her household enjoy a good quality of life and that her children are able to enjoy a good education. Doralba dreams of being able to get her children ahead in life and provide them with the financial help they need to make progress.
Doralba es una persona que siempre se ha caracterizado por ser muy trabajadora y esta cualidad le ha permitido superar grandes adversidades que se le han presentado en la vida. Doralba se encuentra casada y tiene 2 hijos de 6 y 13 años de edad, a quienes siempre les ha querido brindar una buena calidad de vida y una buena educación; es por esto que debido a que el salario que ganaba su esposo no era suficiente para el sostenimiento de los gastos de su hogar, decidió montar un negocio con el cual pudiera generar ingresos y así contribuir económicamente en su hogar para poder tener una mejor calidad de vida. Doralba montó un restaurante el cual ya lleva varios años operando y está muy acreditado entre sus clientes gracias a la buena calidad de las comidas que ofrece y el buen servicio que siempre presta. Gracias a que sus ventas vienen aumentando considerablemente, busca que un préstamo le brinde la oportunidad de comprar insumos para la preparación de sus comidas como verduras, arroz, entre otros insumos.
De esta manera podrá seguir brindando a sus clientes un buen servicio y seguirá aumentando sus ventas para mejorar sus ingresos, de modo que en su hogar podrán tener una buena calidad de vida y sus hijos seguir accediendo a una educación de calidad. Doralba sueña con poder sacar sus 2 hijos adelante y brindarles las oportunidades económicas para progresar.
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.