José Antonio has a small business and is a customer with this Kuba Financiero organisation. This is his story.
José is 46 years old, married and has two children. He lives in his own house and runs a beauty salon.
His beauty salon is on the main street of the local area and so his customers can find him easily. Customers look for José and recommend him to others. José tells us that, fortunately, he always has customers at his work. He is applying for this loan in order to buy necessary merchandise for his business, such as dyes, peroxides, tweezers and hairdryers.
Thanks to his effort at work, alongside his wife José has been able to help the family to prosper. His main challenge has been expanding his business and looking for larger premises.
José Antonio es un microempresario cliente de Kubo Financiero y esta es su historia:
José tiene 46 años, es casado y tiene 2 hijos. Vive en casa propia y tiene una estética como negocio.
Su estética está ubicada en la avenida principal de la colonia, de esta manera sus clientas ya lo tienen ubicado; y así, lo buscan y recomiendas. José Antonio comenta que afortunadamente siempre tiene clientes en el salón. Pide este préstamo para comprar mercancía necesaria para su negocio, como lo son tintes, peróxidos, tenazas y secadoras.
Gracias al esfuerzo de su negocio, en conjunto con la ayuda de su esposa, ha logrado sacar adelante a su familia. Su principal reto es hacer crecer más su negocio, consiguiendo un local más grande.
Kubo.financiero is a regulated microfinance institution that provides accessible and affordable loans to borrowers in Mexico. Its online banking platform and other innovations enable Kubo to charge interest rates that are much lower than the average for MFIs in Mexico. By doing business in a new way -- leveraging technology and customized risk profiles -- the organization is able to support microfinance clients throughout the country. With funds from Kiva lenders, Kubo is able to expand its lending network even further, reach riskier clients who have less credit history, decrease interest rates for borrowers, and scale its service area.