"God has blessed us with the most beautiful gifts that man can receive: land on which to live, and a family to love". This is the phrase that Nohemy, 41 years old, uses to express her gratitude and love for her family and for the land that provides food for them to eat. Working is one of Nohemy's greatest passions because she loves the countryside and everything she produces there. Every day she wakes up early to do the household chores and later she looks after her tomato and bean plants. Thanks to this work, her family is able to sustain itself and she can provide her three oldest children with an education.
Nohemy is currently applying for a loan that she will invest in buying seeds and fertliser to increase her harvest. This will increase her income, thus hleping with the family's well-being.
“Dios nos ha bendecido con el más bello regalo recibido por un hombre, una tierra de la cual vivir y una familia a la cual amar”. Con esta frase Nohemy de 41 años de edad, expresa su gratitud y amor por su familia y la tierra que les da de comer. Trabajar es una de sus grandes pasiones porque ama el campo y todo lo que allí se produce. Diariamente se levanta temprano para realizar las labores del hogar y posteriormente se dedica a cuidar de sus sembrados de tomate y fríjol. Gracias a esta actividad, su familia ha logrado sostenerse y brindarles educación a sus tres hijos mayores.
En la actualidad se encuentra solicitando un crédito que invertirá en la compra de semillas y abonos para incrementar su cosecha con el fin de generar mayores ingresos que contribuirán al bienestar de su familia.
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.