Luz Marina is a clear example that the impossible exists only in the mind. She says that she has learned from her own experience that it is enough to have a dream and strive to achieve it, because there are no obstacles in life that your dreams cannot overcome.
Since she separated from her husband, she has assumed total responsibility for her home and has overseen the maintenance and education of her three children. Thus, earning a living became her highest priority and she began selling household products from her home. Today, thanks to her discipline and work she has managed to open a store.
Her dream is to modify the living room in her house, which is the place where she has her store, so that she can improve service. She also wants to put a barred door at the entrance to prevent the thefts that others have been victimized by on several occasions. Consequently she is requesting a loan in order to make these investments, because she lacks sufficient capital.
Luz Marina, es un claro ejemplo de que los imposibles solo radican en la mente. Dice que gracias a las experiencias que ha vivido, aprendió que basta con tener un sueño y luchar por alcanzarlo porque no existen obstáculos que sean más grandes que el deseo.
Desde que se separó de su cónyuge asumió la totalidad de las responsabilidades del hogar y veló por el sostenimiento y la educación de sus tres hijos, por lo cual generar ingresos se convirtió en el tema de mayor prioridad. Razón por la cual comenzó vendiendo desde su casa algunos productos de la canasta familiar y hoy gracias a su disciplina y esfuerzo ha logrado montar su tienda.
Su sueño es realizar adecuaciones en la sala de su casa, lugar en donde tiene ubicada la tienda, con el fin de mejorar la calidad en el servicio y colocar una reja en la entrada para evitar los hurtos de los que ha sido víctima en varias ocasiones, por esta razón se encuentra solicitando un crédito para realizar dicha inversión ya que no cuenta con capital propio.
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.