Ramiro, 27, loves his work; vegetation and animals are his passion. To be able to enjoy a beautiful sunset and share with his family is the very best gift life can offer him every day.
Since childhood he’s worked in agriculture and animal husbandry because his family has lived most of the time in the countryside. Today, he feels the time has come to make his life project happen. He wants to buy cattle to improve milk production capacity to increase sales and become a micro businessman.
His greatest dream is to introduce technological milking processes and to do so must save up to be able to make this investment. For the moment, he hopes his activity will improve to be able to provide better living conditions for his parents.
Ramiro de 27 años de edad, es un fiel amante a su oficio, la vegetación y los animales son su pasión. Poder disfrutar de un bello atardecer y compartir con su familia es el mejor regalo que la vida puede obsequiarle cada día.
Desde su niñez se ha dedicado a la producción agropecuaria, debido a que su familia ha vivido la mayor parte del tiempo en el campo.
Hoy siente que ha llegado la hora de comenzar a materializar su proyecto de vida, desea comprar ganado vacuno a fin de mejorar la capacidad de producción de leche para incrementar sus ventas y poder convertirse en un microempresario.
Su mayor sueño es poder tecnificar el proceso de ordeño, para lo cual desea ahorrar y poder realizar esta inversión. Por el momento espera que su actividad mejore y poder ofrecerle a sus padres mejores condiciones de vida.
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.