Alicia is known as an enterprising, hard-working woman who has had to raise her two children alone because her husband never took responsibility. That is what motivated her to set up her own business.
When she was young she learned how to sew, so she now makes clothing, both outerwear and underwear. She also sells catalogue products. At this time, she is requesting a loan to buy fabric, thread, accessories and beauty products through catalogue. She hopes this investment will guarantee a quality education for her children as well as improve their lifestyle.
Alicia, se ha caracterizado por ser una mujer emprendedora y guerrera, le ha tocado sacar a sus dos hijos adelante debido a que su cónyuge nunca respondió. Motivo que la impulsó a crear su propio negocio.
Desde joven aprendió el oficio de la confección, por lo cual se dedica a la elaboración de ropa interior y exterior, actividad que alterna con la venta de productos por catálogo. Hoy se encuentra solicitando un crédito que invertirá en la compra de tela, hilos, accesorios y productos de belleza.
Espera que con dicha inversión pueda garantizarles a sus hijos una educación de calidad y mejores condiciones de vida.
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.