Natalia, who is 19 years old, is an enterprising young woman who is very eager to move forward and help her parents with their household expenses. She has been looking for employment for six months, but due to her lack of job experience, no doors have opened for her. That is what motivated her to start her own business selling products by catalog and office supplies.
She is currently requesting a loan to invest in the purchase of beauty supplies, clothing, and showcases in order to convert her living room into a store and formalize her business. Her dream is to become a great microentrepreneur and to have the opportunity to access college to get an education and become a great professional.
Natalia de 19 años de edad, es una joven emprendedora, con grandes deseos de progresar y ayudarle a sus padres con los gastos del hogar. Desde hace 6 meses se encuentra buscando empleo, pero debido a su inexperiencia en el mundo laboral, las puertas no se han abierto. Razón que la motivó a iniciar su propio negocio, consistente en la venta de productos por catalogo y artículos de papelería. En la actualidad se encuentra solicitando un crédito que invertirá en la compra de productos de belleza, ropa y vitrinas con el propósito de adecuar en la sala de su casa un almacén y formalizar su actividad comercial.
Sueña en convertirse en una gran microempresaria y tener la oportunidad de acceder a al universidad para formarse como una gran profesional.
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.