She is thinking today of improving her family’s income, so she wants to make the most of the opportunity to acquire an internet café that is being sold at a good price with all the equipment she needs. This is why she is requesting support through a loan to complement the money she has to buy the business. She wants to position the business and hand it over to her children for them to administer it once it is running. This will help them to pay for their university studies.
Luz says that her biggest dream is to see her children become successful and prosperous professionals. She also hopes that they can thrive with this new business and enjoy better living conditions.
Desde hace varios años trabaja como comerciante independiente, actualmente posee una tienda de abarrotes y cafetería que heredó de su padre luego del fallecimiento, cuenta con la ventaja de ser reconocida en el sector, gracias a la amplia trayectoria que tiene el negocio. Hoy en día, con el ánimo de mejorar los ingresos familiares, desea aprovechar la oportunidad que se le presenta de adquirir un negocio de café internet, que le están vendiendo a buen precio y ya con todos los equipos y los activos instalados; es por esta razón que solicita el apoyo del crédito para ajustar el capital y pagar el nuevo negocio, el cual desea acreditar para cederlo a sus dos hijos y que sean ellos quienes lo trabajen y lo pongan a producir y, en la misma medida pueden generar ingresos para terminar de pagar sus estudios universitarios.
Luz manifiesta que su mayor anhelo es ver a sus hijos convertidos en profesionales prósperos y exitosos y que logren posicionar el nuevo negocio para así disfrutar de mejor calidad de vida.
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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