Sor is a young woman who fights tirelessly to give herself a better quality of life, what she has, she has made herself, through hard work and sacrifice. She has worked in various restaurants in her neighborhood, but seven months ago, she decided to branch out on her own and to start her own business where she sells fast food, drinks and sweets. Her goal is to improve her economic situation and to give her mother a better quality of life. She assures us that her business has been welcomed by the community and, so, she is asking for a credit that she will invest in the purchase of supplies and a refrigerator so she can conserve her foods and improve the profitability and service of her business. Her dream is to continue to grow her business and to open new locations.
Sor, es una joven a la que le ha tocado luchar incansablemente para obtener mejores condiciones de vida, lo que es y lo que tiene lo ha construido a pulso con esfuerzo y mucho sacrificio.
Laboró en varios restaurantes de su localidad, pero desde hace siete meses decidió independizarse y montar su propio negocio dedicado a la venta de comidas rápidas, bebidas y dulces con el fin de mejorar su condición económica y brindarle a su madre una mejor calidad de vida. Asegura que el negocio ha tenido una buena acogida por parte de la comunidad, por lo cual se encuentra solicitando un crédito que invertirá en la compra de surtido y una nevera para la conservación de los alimentos, mejorando la rentabilidad y el servicio.
Sueña con seguir creciendo dentro del sector y montar más puntos de venta.
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.