Yamile is a 26 year old for whom life has given her great experiences that have allowed her to mature and assume new responsibilities. At the age of 22, she became pregnant, and the father of her child did not take responsibility. Due to this, Yamile had to abandon her studies in order to work and support her baby.
Today, after 4 years, this woman believes that her child is the greatest gift that God could have given her. "For him I would sacrifice my life if necessary" with the words, Yamile expresses her love.
She has worked for various stores in her area but she feels that the time has come for her to start her own business. For this reason, she is requesting a loan to invest in the purchase of merchandise (clothing, shoes, accessories) with the intention of starting her own business. She hopes to in the near future open a store with a large variety and finish her studies and become a professional.
Yamile es una joven de 26 años de edad, a la que la vida le ha dado grandes experiencias que le han permitido madurar y asumir nuevas responsabilidades.
A la edad de 22 años quedó en embarazo y el padre de su hijo no se responsabilizó, por lo cual Yamile debió abandonar sus estudios para emplearse y sostener a su bebe. Hoy, después de 4 años, esta mujer, siente que su hijo es el mejor regalo que Dios ha podido entregarle. “Por el estaría dispuesta a sacrificar mi vida si fuera necesario” con estas palabras Yamile expresa su gran amor. Ha laborado en varios almacenes de su localidad, pero considera que el tiempo de crear su negocio ha llegado, por esta razón se encuentra solicitando un crédito que invertirá en la compra de mercancía (ropa, calzado, accesorios) con el propósito de iniciar con su propia empresa.
Sueña a mediano plazo montar un almacén con gran variedad y terminar sus estudios para llegar a ser una profesional.
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.