Laura is an active and enterprising young woman, with an indefatigable spirit that has pushed her to look for alternative ways of making a living. Therefore, at just 21, she works in the beauty sector, doing styling, hair cuts and hair straightening from home. She learnt this job on a training course, and she has now been providing these services for 3 years. In this way she earns enough money to help out with the household costs.
She is asking for a loan to buy wholesale goods (chemicals and hair treatments). This will allow her to carry on with her work and provide a good service to her customers, meeting their needs at the right time. This will result in an increase in her income.
Laura works every day trying to achieve her greatest wish: to have a chain of beauty salons, which would guarantee her profitability and an economic stability . This would provide a better quality of life to her family and make her a successful businesswoman.
Laura es una joven activa y emprendedora, con un espíritu de superación que la ha impulsado a buscar alternativas para ganarse la vida; por ello, a sus 21 años de edad, se dedica a trabajar en el campo de la belleza, realizando cortes, cepillados, peinados y alisados a domicilio, el oficio lo aprendió en un curso de capacitación que realizó y lleva 3 años prestando sus servicios, así genera los recursos suficientes para aportar a la economía del hogar.
El propósito del crédito es invertirlo en la compra de insumos al por mayor (químicos y tratamientos capilares), esto le permitirá continuar con su labor y prestar un buen servicio a sus clientes, satisfaciendo oportunamente los requerimientos; esto dará como resultado un incremento en los ingresos que percibe por la prestación de sus servicios.
Laura, trabaja cada día proyectándose hacia el cumplimiento de su mayor anhelo que es tener una cadena de salas de belleza, que le garanticen una rentabilidad y estabilidad económica para brindar una mejor calidad de vida a su grupo familiar y ser una empresaria exitosa.
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.