Camila, 19, is a beautiful woman. Since high school she has developed a great passion for everything related to beauty, and as soon as she left school she started taking courses on nail care and make-up. She started in beauty salons until one day she took a risk and decided to look for her own customers, setting up a business offering nail services at home.
She's requesting a loan to buy polish, files, nail clippers, foot baths, towels, and other work tools.
The loan will be very important for her because she'll finish strengthening her business, stocking it with all the supplies she needs to operate and offer any service that might be requested of her.
Her dream is for her business to make progress and to have a lot of customers to improve her living conditions and be able to go to school.
Camila es una bella mujer de 19 años de edad, desde el colegio desarrollo una gran pasión por todo lo relacionado con la belleza y desde que salió comenzó a realizar cursos en arreglo de uñas y maquillaje.
Inicio su etapa en salones de belleza hasta que un día se aventuró y decidió ir en busca de su propia clientela montando un negocio en el que presta el servicio de arreglo de uñas a domicilio.
Solicita un crédito para la compra de implementos de trabajo como barniz, limas, cortaúñas, Lavapiés, toallas, entre otros.
El crédito para ella será muy importante pues terminara de consolidar su negocio completándola con todos los insumos necesarios para operar y ofrecer cualquier servicio que lleguen a solicitarle.
Su sueño es que su empresa progrese y tenga muchos clientes para mejorar su condición de vida y poder estudiar.
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.