Luisa, 46, is an enterprising and brave woman that, despite the difficulties she has faced and the lack of resources, is convinced that the future will be much better.
Luisa raises and sells pigs as a way to generate income for her family. She has three children and she strives to give them a dignified life. She is requesting a loan to buy feed to fatten the pigs, and to improve the pens, which are in bad shape.
Her biggest wish is to improve her economic conditions and be able to acquire a house to improve her family’s quality of life.
Luisa de 46 años de edad, es una mujer emprendedora y valiente, a pesar de las dificultades que ha atravesado por su carencia de recursos, está convencida que el mañana será mucho mejor.
Se dedica a la cría y venta de porcinos como fuente de ingresos para su hogar. Tiene tres hijos por los cuales vela para garantizarles una calidad de vida digna.
En la actualidad se encuentra solicitando un crédito que invertirá en la compra de cuido de levante, engorde y adecuaciones de corrales, ya que se encuentran en mal estado.
Su mayor deseo es mejorar su condición económica y poder adquirir una vivienda para mejorar la calidad de vida 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.