Darlleny is married, and has a nine-year-old son to whom she has always wanted to provide access to a good quality education. This is why she works hard in her beauty salon that she has had for one year.
Her aim is to generate income with which she can contribute financially to the household, along with her husband, so that they can have better economic opportunities. Previously she had many financial difficulties in her home but thanks to her effort, their circumstances have been gradually improving. She hopes that with her daily effort in the beauty salon she can continue growing and improving the quality of life in her household.
Due to the fact that she doesn't have sufficient working capital, Darlleny is turning to a loan, in order to buy a chair and a professional hair dryer for her beauty salon, and to be able to offer a better service to her customers.
Her greatest wish is for her beauty salon to allow her to improve the quality of life of her husband and nine-year-old son, and to be able to succeed, overcoming the difficulties that have arisen in her life.
Darlleny se encuentra casada y tiene un hijo de 9 años a quien siempre le ha querido brindar el acceso a una educación de buena calidad, por esto trabaja fuertemente en su sala de belleza que tiene desde hace un año con el ánimo de generar ingresos con los que pueda contribuir económicamente en su hogar junto con su esposo para tener mejores oportunidades económicas. Anteriormente en su hogar tenían muchas dificultades económicas, pero gracias a su esfuerzo las condiciones han venido mejorando y espera que con su esfuerzo diario en el salón de belleza pueda seguir creciendo y mejorando la calidad de vida en su hogar. Debido a que no cuenta con un capital suficiente, Darlleny acude a un préstamo para comprar una silla y un secador profesional para su salón de belleza y poder prestar un mejor servicio a sus clientes.
Su mayor anhelo es que su salón de belleza le permita mejorar la calidad de vida de su esposo y su hijo de 9 años y poder salir adelante superando las dificultades que se les han presentado en la 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.