Gladys gained the knowledge of raising and fattening chickens thanks to her parents, who taught her and had a chicken corral at their house for the sole consumption of their family. Since the neighbors began to ask her if they could sell her chickens, Gladys began to work at the activity with more of a commercial focus and started her business. Because she did not have much capital, it has been very difficult to offer her customers more chickens, and for this reason Gladys is now seeking a loan to buy chickens, chicken feed, and also to make some improvements to the corral so that it can hold more chickens.
In this way she will be able to fill the order of her customers, and her business will begin to increase sales. Her dream is to get ahead in this business and to generate enough income, which she will contribute economically together with her spouse, to give their 3 children a better quality of life.
Gladys ha tenido conocimiento de la actividad de la crianza y engorde de pollos gracias a que sus padres se la enseñaron y anteriormente tenía un corral de pollos en su casa para el consumo de solamente su familia. Como los vecinos comenzaron a pedirle que les vendieran de los pollos, Gladys comenzó así a trabajar la actividad ya con un enfoque más comercial y así comenzó con su negocio. Como no cuenta con mucho capital ha sido muy difícil poder ofrecer a sus clientes más pollos, y es por esto que ahora Gladys busca un préstamo para comprar pollos, el cuido para alimentarlos y también realizar algunas adecuaciones al corral para que quepan más pollos.
Así podrá hacer frente a los pedidos de sus clientes y su negocio comenzará a vender más. Su sueño es sacar adelante este negocio y poder generar bastantes ingresos con los cuales contribuya económicamente junto con su esposo para darles una mejor calidad de vida a sus 3 hijos.
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.