Rubiela is 54 years old. She is a woman whom life has taught the significance of work and responsibility. After separating from her husband, she saw the need to seek a source of employment to support and raise her son. She turned to raising pigs, selling products via catalog, and selling merchandise. These activities are the source of the income for her home. Today she is asking for a loan to buy a pig and clothing merchandise so she can increase her sales and generate more income.
Her biggest dream is to be able to buy a house, since renting is one of the expenses that gives her the biggest headache. Although money hasn't been her best friend, she fights day to day to offer her family a dignified life that doesn't lack financially. What matters to her most is unity and love.
Rubiela de 54 años de edad, es una mujer a la que la vida le ha enseñado el significado de lo que es el trabajo y la responsabilidad. Después de separarse de su esposo, se vio en la necesidad de buscar una fuente de empleo para sostener y educar a su hijo, por lo cual recurrió a la cría de cerdos, a la venta de productos por catálogo y mercancía, actividades que son la fuente de ingresos para su casa. Hoy se encuentra solicitando un crédito para la compra de una cerda y mercancía -ropa- con el fin de aumentar las ventas y generar mayores ingresos.
Su mayor sueño es poder comprar una vivienda, debido que el alquiler es uno de los gastos que más dolores de cabeza le genera. Aunque el dinero no ha sido su mejor amigo, lucha día a día para ofrecerle a su familia una vida digna y sin carencias económicas, pues asegura que los más importante es la unidad y el amor.
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.