"Life is a puzzle and the pieces come together at the right time": with this phrase, Samuel, 44 years old, tells how he became a barber.
In search of better educational opportunities, Samuel, still being young, moved to the city with the intention of completing his secondary education.
He lived at his aunt's house who was a hairdresser and who taught him the trade. Afterwards, he entered military service, and there he became the barber of his squad. In this way, he acquired the technique and perfected it by entering an institute to earn his certification.
With this career path, Samuel decided to settle in the municipality of Andes, Colombia where he set up his barbershop which, operates daily from 8 A.M. until 8 P.M. Presently, he is requesting a loan to invest in the purchase of a shampoo sink and a dressing table in order to provide better service.
“La vida es un rompecabezas y las fichas se unen en el momento indicado”, con esta frese Samuel de 44 años de edad, cuenta como se formó como barbero.
En búsqueda de mejores oportunidades de estudio Samuel, aún siendo un joven migró para la ciudad con la intención de terminar su bachiller. Se radicó en la casa de su tía, la cual era peluquera y ella le enseñó el oficio. Posteriormente ingresó a prestar el servicio militar y allí se convirtió en el barbero de su cuadrilla. De este modo, adquirió la técnica y la perfeccionó ingresando a un instituto para certificarse.
Con esta trayectoria Samuel decidió radicarse en el municipio de Andes, Colombia, en donde montó su barbería, la cual atiende diariamente de 8 de la mañana a 8 de la noche. En la actualidad se encuentra solicitando un crédito que invertirá en la compra de un lava-cabezas y un tocador, para la prestación de un mejor servicio.
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.