Victor has always had a hobby since he was a child, and that is the adrenaline that he gets from motorcycle engines. That is why, since he was very young, he learned everything related to the repair and maintenance of motorcycles on his own. After a time, he took a technology course and with that, he was able to join the famous company Yamaha, where he worked for several years until he decided to go off on his own and open his own locale. He worked every day with an intense schedule of 13 hours a day, with the big advantage that his business is located in a very commercial area for motor cycle repair. His main dream is to save up to buy his own locale and open several branches. This dream is coming closer all the time because the demand for repair is big and at this time he is seeking an employee.
He is asking for a loan to buy two motorcycles with mechanical problems in order to fix them and sell them at a better price. He is always seeking customer satisfaction and to increase his turnover so he can make his dreams come true.
Victor siempre ha tenido un hobby desde niños y es la adrenalina que produce los motores de las motos y es por esto que desde muy joven aprendió empíricamente todo lo relacionado con el mantenimiento y reparación de las motos, a medida que iba pasando el tiempo realizo un curso tecnológico y con este pudo ingresar a la afamada empresa Yamaha donde laboro varios años hasta que tomo la decisión de ser una persona independiente y abrir su propio local, laboro todos los días con una intensidad horaria de trece horas con la gran ventaja que su negocio está ubicado en un sector muy comercial de reparación de motos su principal sueño es ahorrar para compra un local propio y abrir varias sucursales, sueño que está acercándose cada vez más dado que la demanda de reparación es grande y solicita en el momento un empleado.
Solicita un crédito para la compra de 2 motos con problemas mecánicos para organizarlas y venderlas a un mejor precio buscando siempre la satisfacción de cliente y aumentar su rotación de cartera para hacer realidad sus metas
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.