“Some say that tattoos are an aberration against morality, but I am convinced that art can also be on skin". These are the words of Héctor, a 30 year old man who learned to make tattoos in Lima, Peru. Later he decided to return to his country and live in his town of Itagüí, Colombia.
When he arrived, he started to work from his home, making tattoos for his friends and acquaintances. Over time, his customers started to grow, and that resulted in him opening a locale. Today he not only makes tattoos, but he combines that activity with selling clothing, which has allowed him to improve his income.
Right now, he is asking for a loan to be used for buying ink, t-shirts and accessories. He hopes for his business to keep growing and to have his name known throughout the community.
“Algunos dicen que tatuarse es una aberración contra las normas morales, pero estoy convencido que el arte también puede llevarse en la piel” Estas son las palabras de Héctor un joven de 30 años de edad, quien aprendió a elaborar tatuajes en Lima, Perú y posteriormente decidió devolverse para su país y radicarse en su municipio, Itagüí, Colombia.
Desde su llegada comenzó a laborar en su domicilio, realizando tatuajes a sus amigos y conocidos. Con el tiempo sus clientes comenzaron aumentar, lo que dio lugar a montar su negocio en un local. Hoy no sólo se dedica a la elaboración de tatuajes si no que combina la actividad con la comercialización de prendas de vestir, lo que le ha permitido mejorar sus ingresos.
En la actualidad se encuentra solicitando un crédito que destinará para la compra de tinta, camisetas y accesorios. Espera que su negocio siga creciendo y posicionar su nombre en toda la localidad.
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.