Zuliet, age 39, is a determined and dynamic woman. She works independently by selling merchandise and clothing with the intent of helping her husband with the household finances and supporting their two children (ages 4 and 10). Her customers include workers, relatives, friends, and neighbors from the area. Zuliet does not work on a set schedule, but she makes herself available whenever a customer needs her.
In order to diversify her inventory, Zuliet is requesting a loan in order to buy clothing in bulk such as trousers, jeans, shirts, and T-shirts. This will satisfy the tastes and requirements of her buyers, which will lead to an increase in her sales and her income. Zuliet says that she wants to keep working with care, perseverance, and discipline so that she can improve her sales day after day. She also wants to achieve a level of profitability that will make it possible for her to acquire a house of her own that she can enjoy with her husband and children, which will result in a better quality of life.
Zuliet es una mujer luchadora y dinámica de 39 años de edad; se ha dedicado a trabajar de manera independiente vendiendo mercancía y ropa, con el ánimo de generar ingresos que le permitieran apoyar a su esposo con la carga económica del hogar y el sustento de sus dos hijos de 4 y 10 años de edad. Su clientela son obreros, familiares, amigos y vecinos del sector, no cuenta con un horario de trabajo establecido, pues está disponible para cuando el cliente la pueda atender.
Con el ánimo de diversificar su inventario, solicita el crédito para comprar ropa al por mayor (pantalones, jeans, camisas y camisetas), así podrá satisfacer los gustos y requerimientos de sus compradores, lo que le ayudará a aumentar las ventas y los ingresos que por ellas percibe.
Zuliet manifiesta que desea seguir trabajando con esmero, constancia y disciplina para mejorar día a día sus ventas y lograr tener una rentabilidad que le dé la posibilidad de adquirir su casa propia en la que pueda disfrutar con sus hijos y su esposo de una mejor calidad de vida.
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.