She is asking for a loan which will be used to buy accessories such as necklaces, bracelets, and earrings, among other items. She will sell these in her area and launch her enterprise. With her profits, she is sure of earning enough to begin her university studies with the goal of becoming a great professional.
Su familia se dedica al comercio, por lo cual conoce y tiene experiencia en la actividad, razones por las que se encuentra solicitando un crédito que destinará en la compra de accesorios como collares, pulseras aretes, entre otros, con el fin de comercializarlos en su sector e iniciar con su proyecto de empresa.
Asegura que con las ganancias que obtendrá iniciará sus estudios universitarios con el fin de convertirse en una gran profesional.
More information about this loan
By supporting this loan, you're helping a borrower launch a new business!
This loan is designed for an entrepreneur who needs working capital to start a brand new business. Along with the loan, Kiva's field partner Interactuar provides counseling, training courses, and other financial resources to help new, riskier entrepreneurs set up young businesses.
Important InformationThis 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.
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