She is very enterprising and organized. Her dream is to set-up her own business and so she is requesting this loan to acquire a premises and set it up appropriately. She needs to buy everything that is necessary for this task such as shampooing chairs, driers, seating, mirrors, beauty products and chemicals. Her goal is to continue her career, improving every day so she can offer her customers a range of services (makeup, hair cutting and styling, manicures, and more) and to realize her dream of improving her quality of life and increasing her income by working for herself in this profession. This would enable her to organize her time and use it for other activities.
Es muy emprendedora y organizada; tiene como sueño montar su propio negocio, por ello desea adquirir este crédito para conseguir un local y adecuarlo apropiadamente, pues necesita comprar todo lo necesario para dicho servicio como son (lavacabezas, secadores, silletería, espejos, productos químicos y de belleza) y con el fin de continuar con su carrera, cada día mejorando para ofrecerle a sus clientes una gama de servicios de buena calidad (maquillaje, corte y cepillado, manicure y otros) y sentir su sueño realizado mejorando su calidad de vida y aumentando sus ingresos en esta profesión como independiente; así podrá organizar su tiempo y utilizarlo para realizar otras actividades.
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By supporting this loan, you're helping a borrower launch a new business!
This loan is designed for an entrepreneur who needs working capital to start a brand new business. Along with the loan, Kiva's field partner Interactuar provides counseling, training courses, and other financial resources to help new, riskier entrepreneurs set up young businesses.
Important InformationThis 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.
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