Señora Beronica is a very lively woman who likes to work independently.
She makes her living preparing and selling food, from breakfasts and lunches to "empanadas" (stuffed pastries) and "pasteles de pollo" (fried chicken pies). She learned all her recipes at a young age at her mother's side. Señora Beronica's mother taught them to her with the hope that she would apply all her knowledge for life.
Señora Beronica wants to work much more comfortably, rapidly and efficiently. That is why she needs supplies for her preparations, a table and kitchen utensils.
These items would give her the opportunity to have a better work space and to generate a much greater income, as she would be able to increase her sales.
Señora Beronica's greatest dream is to see her children become professionals, which is why she works tirelessly to support them in everything.
La señora Beronica es una mujer muy inquieta y le gusta trabajar independiente.
Ella se dedica a la preparación y venta de comidas, desde desayunos y almuerzos hasta empanadas y pasteles de pollo. Todas las recetas las aprendió desde muy joven al lado de su madre quien se las enseño con el afán de que aplicara todos sus conocimientos para la vida.
Ella desea trabajar mucho más cómoda, rápida y eficientemente, por esta razón requiere de insumos para sus preparaciones, una mesa y utensilios de cocina.
Esto le dará la oportunidad de trabajar mejor y generar mucho más ingresos al aumentar sus ventas.
Su mayor sueño es ver a sus hijos convertidos en profesionales por eso trabaja incansablemente para apoyarlos en todo.
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.