Natalia is 35 and has proven that luck is no more than preparation combined with a good opportunity. Thanks to her profession as a fashion designer, she has succeeded in opening a door for herself in the market. Today she has a small third party business making clothing, which guarantees the well-being of her family and better living conditions for her two-year-old son. Not everything has come up roses in her life. Her family never had the resources to give her an education. She had to work and study to reach her dream. Today she is proud and is an example of strength and dedication in her community. Thanks to the opportunity that she had to work in a company for more than three years, she acquired experience and money to start her business, which is her source of income. With the goal of expanding her production capacity, she is requesting a loan to buy a flatbed sewing machine.
Natalia de 35 años de edad, ha demostrado que la suerte no es más que la preparación unida a una buena oportunidad. Gracias a su profesión como tecnóloga en diseño de modas ha logrado abrirse paso en el mercado y hoy cuenta con una microempresa de confección a terceros, que le garantiza bienestar a su familia y mejores condiciones de vida a su hijo de dos años de edad.
En su vida no todo ha sido color de rosa, pues su familia nunca tuvo los recursos para ofrecerle una carrera, por lo cual tuvo que trabajar y estudiar para alcanzar su sueño, Hoy se siente orgullosa y es un ejemplo en su comunidad por su esfuerzo y dedicación.
Gracias a la oportunidad que tuvo de laborar en una empresa por más de tres años adquirió experiencia y dinero para montar su negocio, el cual es su fuente de ingresos. Con el propósito de ampliar su capacidad de producción se encuentra solicitando un crédito para la compra de una máquina plana.
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.