Tatiana, 36, is a single mother with two minor children. This is why over 15 years ago she became a great salesperson of beauty and personal hygiene products. Her business has allowed her to cover household expenses and her children's basic needs. Her customers are mainly people involved in the sector.
She is currently requesting a loan to buy a display case and more stock to improve her sales. Her biggest goal is to expand her business and be able to give her family a better quality of life. She hopes to save to buy her own house.
Tatiana de 36 años es madre soltera de dos hijos menores de edad. Razón que la impulsó desde hace más de 15 años, a convertirse en una gran vendedora de productos de belleza y aseo personal, negocio que le ha permitido solventar los gastos de su hogar y cubrir las necesidades básicas de sus hijos. Sus clientes son principalmente las personas de su sector.
En la actualidad se encuentra solicitando un crédito que invertirá en la compra de una vitrina y surtido para mejorar su nivel de ventas.
Su mayor sueño es ver crecer su negocio, y poder brindarle una mejor calidad de vida a su familia. Espera poder ahorrar para comprar su propia vivienda.
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.