Miriam, who is 44 years old, is a woman who is dedicated to her marriage and the care of her 5-year-old son. She loves her family and confirms that it is the best gift that God has been able to give her. Now she works in printing shirts and clothing in general, work that she does from her home with the goal of generating the income necessary to help her husband with the household expenses and offer a better quality of life to her son.
She is applying for a loan that she will invest in the purchase of paints, enamels, and plastic, items that are necessary to do the finishing of the garments. She dreams of staying in her family and having the opportunity to see her son grow up.
Miriam de 44 años de edad, es una mujer dedicada a su matrimonio y al cuidado de su hijo de 5 años de edad. Ama su familia y asegura que es el mejor regalo que Dios ha podido darle. En la actualidad se dedica al estampado de camisas y ropa en general, labor que realiza desde su casa con el fin de generar los ingresos necesarios para colaborarle a su esposo con los gastos del hogar y brindarle una mejor calidad de vida a su hijo.
Se encuentra solicitando un crédito que invertirá en la compra de pinturas, esmaltes y plástico; necesarios para realizar los acabados a las prendas.
Sueña con permanecer en familia y tener la oportunidad de ver crecer a su hijo.
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.