Marta is a young woman who is 36 years and who has had to negotiate a variety of difficult circumstances. At first she worked selling products from a catalog and then she ran a store in a nearby village. Unfortunately, the owner of the store passed away and she had to look for another way to support herself and her daughter.
Taking advantage of the experience she gained, she decided to start her own business and opened a grocery store which up to now has been well recognized in the area and is doing well. She is now asking for a loan so that she can buy a good variety of greens and vegetables for her business, offering more of a variety to her customers and satisfying their needs. Her big dream is to have a mini-market where she can offer an infinite number of products and food items, and to open yet another store for a little extra income to support her family.
Marta es una joven mujer de 36 años que ha tenido que sortearse entre diferentes circunstancias difíciles. Inicialmente trabajo vendiendo productos por catalogo, luego paso a administrar un tienda en un municipio cercano, desafortunadamente la dueña del negocio falleció y ella se vio obligada a buscar un sustento para ella y su hija.
Fue así como decidió iniciar con su propio negocio aprovechando la experiencia adquirida y abrió una tienda de abarrotes y comestibles; hasta el sol de hoy ha tenido buen reconocimiento y trayectoria en el sector.
Actualmente solicita un crédito para comprar un buen surtido en verduras y legumbres para su negocio y así poder ofrecer más variedad a sus clientes satisfaciendo todas sus necesidades.
Su mayor sueño es tener un minimercado en el cual ofrecer infinidad de productos y alimentos, adicional a esto abrir otra tienda y obtener ingresos extra para obtener un poco mas de ingresos para el sostenimiento de su familia.
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.