Alexandra is 45 years old and has been making a living as a dressmaker for ten years. Her husband is her great companion and provides unconditional support as, due to health problems, they could not have children. She currently works from home, doing all types of sewing work. Her biggest wish is to set up her own workshop and to be able to provide opportunities to others to learn skills and generate their own income. Today she is looking for a loan that will be used to buy a sewing machine that can make buttonholes so that she can start her own life plans and improve the quality of service she offers. She hopes this investment will allow her to strengthen her client base and generate the necessary income to support her husband with the costs of running the household.
Alexandra, tiene 45 años de edad y se dedica al oficio de la confección desde hace más de diez años. Su esposo es su gran compañía y su apoyo incondicional, ya que por problemas de salud no pudieron tener hijos. En la actualidad labora desde su casa, realizando todo tipo de costuras.
Su mayor deseo es montar su propio taller y poder brindarle la oportunidad a otras personas de que se capaciten y generen sus propios ingresos.
Hoy se encuentra en búsqueda de un crédito que destinará en la compra de una máquina ojaladora, con el propósito de iniciar con su proyecto de vida y mejorar la calidad en su servicio. Espera que esta inversión le permita consolidar clientes y generar los ingresos necesarios para colaborarle a su esposo con el sostenimiento del hogar.
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.