Nathalí is a talented young woman full of enterprising spirit. On top of working as an administrator in a company, she has a business of her own, which consists in selling merchandise. She attributes her success to her hard work as a saleswoman. She asks for a loan in order to make her dreams come true. She wants to buy more products (cosmetics, accessories, perfume) to fulfill customers' orders, so as to keep her already large and loyal customer base. Nathalí's aim is to use the profits from her business to keep studying so as to increase her standard of living. She wants to reap the fruits of her steadfast labour.
Nathalí, es una joven talentosa y emprendedora, actualmente alterna su trabajo como administradora en una empresa, con la venta de mercancía que hace en forma independiente, esta actividad le ha representado muchos premios por su ardua labor como vendedora, y para ver cumplido su sueño ella solicita el crédito a la Corporación, con lo cual surtirá con más variedad de productos (cosméticos, accesorios, perfumería), los cuales ya tiene en lista de pedidos para así satisfacer las necesidades de su amplia y fiel clientela, con las ganancias y producto de su trabajo, Nathalí continuará capacitándose más y su nivel de vida aumentará, de esta forma podrá disfrutar del resultado de la constancia en lo que se propone.
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.