Blanca, 53 years old, is a peasant who lives on the Miel path, located in the municipality of Ceja, Colombia. Her great passion is for nature, especially flowers. They motivate her to grow a garden at her home, cultivate and sell a large variety of plants. In her view, this activity has allowed her to improve her quality of life and give her two children an education.
Her greatest dream is to be able to set up a sales stand in her town because this would help her increase her sales. For now, it is clear that this would be a project for the medium term, and she is focused on buying a stand and supplies with which she will improve and expand her production. For this, she is requesting a loan because she does not have the resources for this investment.
Her wish is that people would take ownership of their surroundings and learn to look at nature as the most important element for the growth of life on the planet.
Blanca de 53 años de edad, es una campesina radicada en la vereda la Miel, ubicada en el municipio de la Ceja, Colombia. Su gran pasión por la naturaleza especialmente las flores la motivaron a crear un vivero en su vivienda, cultiva, y comercializa muchas variedades de plantas. Actividad que a su vez le ha permitido mejorar su condición de vida y ofrecerles a sus dos hijos una educación.
Su gran sueño es poder colocar un punto de venta en su municipio ya que esto le ayudaría a incrementar sus ventas. Por ahora tiene claro que este será un proyecto a mediano plazo y se enfoca en la compra de una estacionaria e insumos con los que mejorará y aumentará su producción, para esto se encuentra solicitando un crédito, ya que no cuenta con los recursos para dicha inversión.
Su mayor anhelo es que las personas se apropien de su entorno y aprendan a mirar la naturaleza como el elemento más importante para la expansión de vida en el planeta.
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.