Yeneris has been able to appreciate how her constant work has allowed her business go gradually grow. She also appreciates how it is very well-received among the inhabitants of the Sahagún municipality in Córdoba.
She has been working as a stylist for over ten years. She decided to train to be a professional and to have an independent job. She states that so far it has gone very well. Thanks to this business, she has been able to get her family ahead.
She needs a loan to buy furniture like chairs for cutting hair, and furniture to do manicures. These will allow her to provide better service to her customers. Additionally, she needs two display cases to exhibit her products like hair treatments and nail polish. These items will make it much more attractive to her customers.
Her dream is to be able to continue growing as a businesswoman and as a person.
Yeneris ha podido apreciar como su trabajo constante ha permitido que su negocio crezca gradualmente y tenga una muy buena acogida entre los habitantes del municipio de Sahagún, Córdoba.
Ella se desempeña como estilista desde hace mas de 10 años donde decidió capacitarse para ser profesional y tener un trabajo independiente.
Hasta ahora manifiesta que le ha ido muy bien y que gracias a este negocio ha podido sacar a su familia adelante.
Ella necesita un préstamo para la compra de muebles como sillas de corte, y camillas para realizar manicure, estos le permitirán prestar un mejor servicio a sus clientes, adicionalmente requiere de dos vitrinas para exhibir sus productos como tratamientos para el cabello y esmaltes, estos elementos resultaran mucho más atractivos para sus clientes.
Su sueño es poder seguir creciendo como empresaria y como persona.
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.