Denis is a very charming young woman, just 18 years old, but full of energy and drive to succeed. She wants more than anything to work. Despite her youth, Denis wants to apply for a loan to purchase a display cabinet, jewelry, and accessories such as bracelets, necklaces, perfumes, and other items.
Denis has experience selling candy in high school. She wants to use the funds from this loan to establish her business, so she's asking for your help and for you to trust her and her ability as a saleswoman. Denis wants to continue her studies, pay her bills on time, earn the money to help her mother, and build a successful business that will employ many people.
Denis una muy carismática mujer de 18 años de edad llena de ánimos, de sed de triunfar, de esperanzas de ilusiones y sobretodo ganas de trabajar, a su corta edad quiere solicitar un crédito para la compra de una vitrina y surtido en accesorios como lo son pulseras, collares, perfumes entre otras cosas.
Adquirió experiencia trabajando en su colegio vendiendo dulces y quiere conformar su negocio por eso solicita su ayuda que confíen en ella y en sus habilidades de vendedora pues quiere estudiar quiere pagarse sus cuentas, tener capital para ayudar a su madre y poder constituir un negocio que genere muchos empleos.
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.