Marleny, who is 35, has earned the affection and admiration of many people in her district on account of her passion and responsibility. She is a single mother with two minor children who provide her main motivation to succeed. "It does not matter what hardships and setbacks I have had to contend with because, when my children smile, I know that all my efforts have been worthwhile". With these words, Marleny admits the difficulties she has had to face on her daily journey, but she still has plenty of reasons to keep fighting. Due to the shortage of employment opportunities, she decided to start selling mobile phone minutes as a way of earning a living. She now wants to extend her portfolio of services and so she is requesting a loan which she will invest in the purchase of a wooden stand and supplies which will enable her to generate additional income for the well-being of her family.
Marleny de 35 años de edad, es una mujer que se ha ganado el cariño y la admiración de muchas personas en su localidad, por su pasión y responsabilidad. Es madre soltera de dos hijos menores de edad, los cuales son la razón más importante para querer salir adelante. “no importa cuantos necesidades y pruebas he tenido que padecer, porque cuando mis hijos sonríen se que todo mi esfuerzo ha valido la pena”. Con estas palabras, Marleny confiesa las dificultades que ha tenido que afrontar en su caminar diario, pero aún sigue llena de motivos para seguir luchando.
Con pocas oportunidades para emplearse, decidió dedicarse a la venta de minutos de celular para ganarse la vida. Hoy desea aumentar su portafolio de servicios y por esta razón se encuentra solicitando un crédito que invertirá en la compra de un local de madera y surtido que le permitirán generar mayores ingresos para el bienestar de su familia.
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.