Luz Edilma, 54, has dedicated a large part of her life to working. From an early age, she had to support herself and her family due to the economic conditions in the home. Her life has not been rosy, because she got married and it was not what she had imagined. After 20 years of marriage and six children, her husband abandoned her, so she had to assume responsibility for the household. Thanks to her effort and will to move forward, Luz has been able to overcome the adversities that life has presented her. Today she has a store in which she sells basic household goods and it has become the means of supporting her family. She is seeking a loan that she will invest in buying merchandise to increase her sales and earn more income. Her greatest dream is to make sure that her two minor children can get a quality education and enjoy better living conditions.
Luz Edilma de 54 años de edad, ha dedicado gran parte de su vida a laborar, desde muy temprana edad debió garantizar el sustento para ella y su familia debido a las condiciones económicas de su hogar.
Su vida no ha sido color de rosa, debido a que contrajo nupcias y su relación no fue lo que imaginó. Después de 20 años de casada y con 6 hijos, su esposo la abandonó. Por lo cual le tocó asumir las responsabilidades del hogar.
Gracias a su esfuerzo y ganas de salir adelante Luz ha logrado superar las adversidades que se le han presentado en la vida.
Hoy cuenta con una tienda en la que comercializa productos de la canasta familiar y la cual se ha convertido en el sustento para su familia. Hoy se encuentra en búsqueda de un crédito que invertirá en la compra de surtido con el propósito de aumentar sus ventas y generar mayores ingresos.
Su mayor sueño es garantizar que sus dos hijos menores de edad puedan acceder a una educación de calidad y gozar de 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.