Rosalba is a very hard-working person who has fought hard for a long time in order to get her family ahead in life. She used to sell meals in the city center but, owing to circumstances beyond her control, she had to move her business into her home. This is where she now offers her food service to people in her area. Thanks to the fact that she offers very good customer service and her meals are very good quality, Rosalba has managed to attract a large number of customers. As a result, she enjoys very good sales. However, the tools that she uses in her cooking are no longer up to the job of serving all her customers. She is looking for a loan so that she can buy a deep fat fryer and supplies that she needs for making her meals in order to meet the high level of demand that she has for her products. This will enable her to keep making progress in her business and she will be able to make the income she needs to support her household. She will also be able to provide the members of her household with a better quality of life and continue making progress, in spite of the difficulties that she has encountered in her life. Some time ago, violence snatched two of her children from her. Since that time, she has been working hard so that her business provides her with the money she needs to improve her own living conditions as well as those of her family.
Rosalba es una persona muy trabajadora que ha venido luchando fuertemente desde hace mucho tiempo para sacar su familia adelante. Anteriormente tenía una venta de comidas en el centro de la ciudad, pero debido a circunstancias adversas a su voluntad se vio en la obligación de trasladar el negocio para su casa y ahora desde allí ofrece su servicio de comidas a todas las personas del sector. Gracias a que ofrece muy buen servicio, y a que sus comidas son de muy buena calidad, Rosalba ha logrado captar un gran número de clientes que le han permitido tener muy buenas ventas, y es por esto que ahora que con las herramientas que cocina no tiene suficiente capacidad para atender a todos sus clientes, busca que un préstamo le permita comprar una fritadora e insumos que requiere para la preparación de sus comidas, y así poder responder a la gran demanda que tiene por sus productos.
De esta manera su negocio seguirá saliendo adelante y así seguirá generando los ingresos necesarios para el sostenimiento de su hogar; además de que podrá ofrecerles una mejor calidad de vida a las personas en su hogar y seguir progresando a pesar de las fuertes adversidades que se ha encontrado en su vida. Hace un tiempo, la violencia le arrebató a dos de sus hijos, por lo que desde entonces viene buscando que su negocio le brinde las posibilidades económicas para buscar mejores condiciones de vida para ella y su familia.
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.