During most of his working life, Rafael has been an independent businessman, selling ice cream and desserts that he and his wife prepared. Rafael learned this business by starting and operating it, and managed to cover his family's basic expenses.
Rafael now has the opportunity to take over an established and well-stocked grocery store. He needs, however, to purchase additional wholesale goods (grains, sugar, beer, soda, pastries, dairy products) and make repairs (plaster and paint the walls). These purchases and improvements will allow Rafael to launch his new business project and improve the store's image. He'll be able to offer a greater variety of goods to meet his customers' needs and preferences, increasing his income so he can provide a better quality of life for his family.
Rafael says that taking over this store would be the fulfillment of a dream. He's always wanted to have his own business in a site that's open to the public, thus avoiding the risks that come from working on the street. Rafael also believes that the shop will be much more profitable than his old business. He wants to achieve a degree of financial stability that will allow him to keep striving for the well-being of his family.
Durante la mayor parte de su vida productiva, se ha dedicado a trabajar de manera independiente, vendiendo de forma ambulante las cremas y helados que él y su esposa producen, el oficio lo aprendió de manera empírica y así ha logrado solventar los gastos básicos de su familia.
Actualmente se le presentó la oportunidad de tomar en arriendo una tienda de abarrotes ya establecida y dotada con los activos, pero requiere comprar más surtido al por mayor (granos, azúcar, cervezas, gaseosas, galletería, lácteos) y realizar adecuaciones locativas (revocar y pintar las paredes), así podrá comenzar con su nuevo proyecto productivo, cambiando la imagen del establecimiento y ofrecer mayor variedad de productos para satisfacer las necesidades y gustos de sus clientes, de esta forma podrá generar mayores ingresos para brindar mejores condiciones de vida a su familia.
Rafael manifiesta que con el inicio de este negocio él estaría cumpliendo un sueño, pues siempre anheló tener su propio negocio en un local abierto al público, ya que así podrá evitar los riesgos que implica trabajar en la calle; además piensa que será mucho más rentable y quiere lograr una estabilidad económica que le permita seguir luchando por el bienestar de su grupo familiar.
More information about this loan
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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