At her 55 years of age Blanca is a charismatic and helpful woman that works at her own business: a grocery store. She started it because she had the need of generating her own income to support her family since she is separated from her husband and the head of the household. Despite the adversities, she had the strength and determination to get back on her feet and keep moving forward, and thanks to that she has been working in this type of business for 13 years.
Her purpose in life is to keep improving and for that she wishes to strengthen her business by purchasing a refrigerator that she needs to store her products in a better way and give her clients a better quality and service. This will help her to increase significantly her sales and incomes.
Blanca says that her greatest desire is to keep her business growing and in a future transform it into a supermarket, one in which the customers can find everything they need. With this she hopes to improve the profitability of her business and give her family a better quality of life.
Blanca, a sus 55 años de edad, es una mujer carismática y servicial que se dedica a trabajar en su propio negocio, una tienda de abarrotes que inició por la necesidad de generar ingresos para sacar adelante a su familia, ya que es cabeza de hogar desde que se separó de su esposo. A pesar de las adversidades, ella tuvo la fortaleza y la determinación para levantarse y seguir adelante y, gracias a ello lleva 13 años de trayectoria en el sector.
Su propósito en la vida es seguir progresando y por ello desea fortalecer su negocio acreditándolo con la compra de un refrigerador que necesita para almacenar mejor sus productos y poder ofrecer a sus clientes una mejor calidad y servicio, logrando aumentar notablemente sus ventas y los ingresos que recibe de ellas.
Blanca manifiesta que su mayor anhelo es seguir creciendo con su negocio y, en un futuro desea convertirlo en un supermercado, en el que los clientes puedan encontrar todos los artículos que necesiten y así mejorar la rentabilidad y poder ofrecer una mejor calidad de vida a su familia.
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.