Claudia is a strong, service minded, hard worker. She is 35 years old, married and the mother of two children who she has pushed ahead with effort and dedication.
She has worked in the sewing field for 20 years. She provides sewing services such as making lingerie, Christmas decorations from fabric etc.
She learned this trade over time and works by herself every day. This is how she helps her husband with the economic needs of their home.
Currently she is requesting a loan to buy supplies at wholesale (fabric, thread, elastic etc.) This will allow her to have enough material available to meet timely deliveries that she has pending and allow her to satisfy her current customers.
Claudia states that she wants to keep working hard. She wants to expand her business and generate employment opportunities as well as create economic stability in order to give her family a better quality of life.
Claudia es una mujer pujante, servicial y trabajadora, a sus 35 años de edad, es casada y madre de dos hijos a los que ha sacado adelante con mucho esfuerzo y dedicación.
Desde hace 20 años se desempeña en el campo de la confección, prestando el servicio de confección fabricando lencería, adornos navideños en tela, entre otros, el oficio lo aprendió de manera empírica y trabaja sola todos los días, así genera los recursos suficientes para apoyar a su esposo con la carga económica del hogar.
Actualmente se motiva a solicitar el crédito para comprar insumos al por mayor (telas, hilos, resorte, entre otros) esto le permitirá tener material disponible para cumplir con la entrega oportuna de los pedidos que tiene pendientes, logrando fidelizar sus clientes actuales.
Claudia manifiesta que desea continuar realizando su labor con mucho empeño, pues quiere ampliar su negocio y poder generar oportunidades de empleo, además de garantizar una estabilidad económica para dar a su familia una mejor calidad de vida.
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.