Nudier, 38, is a forward-looking woman who very much wants to become a micro businesswoman. Because she’s a single mother, she’s constantly striving to provide her children with education and proper living conditions. With effort and dedication she managed to open her own business selling stationery supplies and photocopies, an activity that generates income to support her family.
She dreams in the near future with having the capacity of buying the site her business is located in order to save on rental costs. For now, she needs a loan to buy stock merchandise to improve sales and increase income. Her daughters are about to start university so she hopes to increase her profit margin so she can pay for their studies.
Nudier de 38 años de edad, es una mujer visionaria y con muchos deseos de convertirse en microempresaria. Por su condición de madre soltera, esta mujer ha luchado constantemente para brindarles a sus hijos educación y condiciones de vida digna. Con esfuerzo y dedicación logró montar su propio negocio dedicado a la venta de papelería y fotocopias, actividad que le genera los ingresos para el sostenimiento de su familia.
Sueña con tener en un futuro próximo la capacidad de comprar el local en donde tiene su negocio con el fin de ahorrarse el dinero del arrendamiento.
Por ahora desea acceder a un crédito para la compra de surtido con el fin de mejorar las ventas y aumentar sus ingresos.
Sus hijas se encuentran próximas a iniciar sus estudios universitarios por lo cual espera obtener un mayor margen de rentabilidad para pagar sus estudios.
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.