Guillermo is 36 years old. He is from the countryside and, since his youth, he has made a living working in agriculture and with livestock. Due to a lack of money in his family, Guillermo could not get an education and so has been working the fields since he was an adolescent. After his parents died, Guillermo was made responsible for the home and his twelve siblings.
Thanks to his effort and self-discipline, he managed to help his family progress and he built a home with his wife and five-year-old son. Guillermo currently makes a living growing fruits, fattening chickens and producing milk. This work provides an income for his family and his children's education.
Guillermo is currently applying for a loan that he will use to buy two dairy cows. This will allow him to increase his production capacity and his household income.
Guillermo's biggest dream is to buy the rights to the land he lives on from his siblings, so that he can leave it to his own family.
Guillermo de 36 años de edad, es un campesino dedicado a las labores agrícolas y pecuarias desde su juventud. Por las condiciones económicas de su familia no pudo acceder a la educación, por lo cual comenzó a laborar en el campo desde su adolescencia. Tras la muerte de sus padres, Guillermo quedó encargado de todas las responsabilidades del hogar y de sus doce hermanos.
Gracias a su esfuerzo y disciplina, logró sacar adelante a su familia, conformar un hogar con su esposa y su hijo de cinco años de edad. En la actualidad se dedica al cultivo de frutas, engorde de pollos y a la lechería. Actividades que son el sustento para el sostenimiento y la educación de su familia.
Hoy se encuentra solicitando un crédito que destinará en la compra de dos vacas lecheras con el propósito de aumentar su capacidad de producción y mejorar los ingresos en su hogar.
El mayor sueño de Guillermo es poder comprarles a sus hermanos los derechos sobre la finca en la que reside, por ser una herencia familiar,
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.