Claudia is a person with firm ideals and clear goals. Her biggest dream is to have a large company with a high level of production which allows her to obtain a stable income. She has a 16 year old daughter for whom she has fought to move forwards and give her the best possible education.
Claudia has a dressmaking and sewing workshop with quite a good output. She works with her own line, and in the high season, she hires two people to help her.
She is requesting the loan to buy a covering machine, which will help her to improve her work. This machine will allow her to increase her output and offer an additional job to help out with this to people in her community. Her biggest dream is to see her daughter become a successful professional.
Claudia es una persona con ideales firmes y metas claras. Su mayor sueño es tener un gran negocio que le permita obtener ingresos estables y con un gran nivel de producción.
Ella tiene una hija de 16 años por la cual ha luchado para sacarla adelante y darle la mejor educación que le sea posible.
Tiene un taller de confección y arreglos de modistería con una producción medianamente buena. Trabaja con línea propia y en los meses de temporada alta contrata dos personas para que le ayuden.
Ella pide el préstamo para comprar un maquina recubridora con la cual podrá tener un mejor nivel de trabajo.
Esta máquina le permitirá cubrir una mayor cantidad de producción y podrá ofrecer un empleo adicional ayudando así a las personas de su comunidad.
Su mayor sueño es poder ver a su hija como una profesional.
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.