Leidy Tatiana is a young woman who has earned the admiration of her family as at only 20 years old she is already revealing herself as a business woman. She decided to set up an internet and gaming café in her living room with the aim of financing her university studies.
She hopes to be a great professional but doesn't have any financial backing and so decided to look for a source of income. "The most important thing is to clearly know what you want in life. You will work out the rest on the way". With these phrases Leidy says that she will become the best professional and that it doesn't matter what sacrifices she has to take, she will see her dream come true.
On this occasion, she is requesting a loan to finance the purchase of the computer and video game equipment as she doesn't have any of her own resources to invest.
Leidy Tatiana es una joven que se ha ganado la admiración de su familia, a sus 20 años ya comienza a proyectarse como una mujer de negocios. En la sala de su casa decidió montar un café internet y videojuegos, con el propósito de financiar sus estudios en la universidad. Desea ser una gran profesional pero no cuenta con un apoyo económico y por eso decidió mirar una fuente de ingresos. “Lo importante es tener claro que es lo que se quiere en la vida, lo demás se va dando en el camino” con estas frases Leidy cuenta que llegará a convertirse en la mejor profesional y que no importa que sacrificios tenga que hacer pero que conseguirá realizar su sueño.
En estos momentos se encuentra solicitando un crédito con el que financiará la compra de los equipos de cómputo y el video juego, ya que no cuenta con recursos propios para realizar esta inversión.
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.