Jairo is a very hardworking person, thanks to which he has succeeded in getting ahead despite the great difficulties he has confronted in his life. Jairo is a dentist and has been engaged in this profession for the past 8 years. Thanks to his effort and dedication to his work he succeeded in opening his own dental office four years ago. Despite having little capital, his hard work enabled him to overcome the great obstacles he has encountered in his business and this has allowed him to continue moving forward while always looking for improved economic opportunities for his family. With the goal of solving his capital requirements, Jairo is requesting a loan to purchase basic supplies such as silicone, resin and cotton, among other items, in order to continuing providing the best service to his patients.
His greatest dream is to be able to separate his dental office from his house and thus provide better care to his patients. As well, he would be able to provide his family a better quality of life and have the opportunity to continue succeeding along with them.
Jairo es una persona muy trabajadora y gracias a esto ha logrado salir adelante a pesar de las grandes dificultades que se le han presentado en la vida. Jairo es odontólogo y desde hace unos 8 años se viene desempeñando en esta actividad, y gracias a su esfuerzo y dedicación en el trabajo, desde hace 4 años logró montar su propio consultorio odontológico. A pesar del poco capital con el que cuenta, su esfuerzo le ha permitido superar grandes obstáculos que se le han presentado en su negocio, y esto le ha permitido seguir saliendo adelante y buscando cada vez más mejores oportunidades económicas para su familia. Intentando superar la dificultad de capital que tiene, Jairo busca un préstamo para comprar materias primas como siliconas, recinas, algodones, entre otros más para seguir ofreciendo un buen servicio a sus clientes.
Su mayor sueño es poder separar su consultorio odontológico de su casa y así ofrecerles una mejor atención a sus clientes. Además, podrá ofrecer una mejor calidad de vida a su familia y tendrá la oportunidad de seguir progresando junto a ellos.
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.