32-year old Robinsón lives in the municipality of Sonsón, Colombia, with his wife and three young children. Because of financial difficulties and few job opportunities, Robinsón decided to open his own business and earn his living transporting agricultural supplies in a cart that he inherited from his father.
He says that his horse has become his best friend and the source of the income he uses to support his family. For this reason he looks after the horse as if it were a member of his family. He knows that a horse is a creature with feelings just like a human being.
Currently Robinsón has had to stop work as the cart has broken down due to overuse, so he is seeking a loan to buy a new one and restart his business. His greatest dream is to be able to guarantee his children a better standard of living and a good education.
Robinsón tiene 32 años de edad y se encuentra radicado en el municipio de Sonsón, Colombia en donde vive con su esposa y tres hijos menores de edad. Debido a las dificultades económicas y a las pocas oportunidades de empleo, Robinson optó por montar su propio negocio y dedicarse al transporte de insumos agrícolas en un coche que heredó de su padre.
Asegura que su caballo se ha convertido en su mejor amigo y la fuente de sustento para su hogar, por lo cual lo cuida y vela por su bienestar como un miembro mas de su familia, ya que es conciente que es un ser que siente como todo ser humano.
En la actualidad tiene su actividad suspendida ya que el coche se encuentra en malas condiciones por el deterioro ocasionado por el uso. Razón por la cual se encuentra solicitando un crédito que invertirá en la compra de una nueva carrocería con el propósito de reactivar su actividad económica.
Su mayor sueño es poder garantizarle a sus hijos mejores condiciones de vida y una buena educación.
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.