Hebert has a successful business as a locksmith and metal welder; he is well known in the neighborhood for his good work and service. As he has five years of experience through working in various workshops, he has been able to keep his job, and has tried to improve his family’s living conditions.
For this reason, he is requesting a loan to purchase tools for his work, such as leather-crafting tools, a press, compressor, welding gun, and hand tools. With these supplies he will be able to continue to provide his services, since the tools he currently uses are in poor condition, and he is lacking some.
Hebert is single and lives with his parents, who he always tries to help financially, so that they can support their home and improve their lives. His biggest dream is to have a large workshop with several employees.
Hebert se desempeña exitosamente en su negocio de cerrajería y soldadura de metal, siendo una persona muy reconocida en el barrio por su buen trabajo y servicio.
Ya que ha laborado 5 años con los conocimientos que adquirió por medio de su trabajo en distintos talleres, ha tenido la oportunidad de mantener su trabajo y ha intentado mejorar las condiciones de vida de su familia.
Por esta razón quiere solicitar un crédito para la compra de herramientas para facilitar su trabajo como tranzador, prensa, compresor, un soldador y herramienta de mano.
Con estos elementos podrá continuar prestando su servicio ya que la herramienta que utiliza esta en mal estado y hay otra que le hace falta.
Actualmente es soltero y vive con sus padres a los cuales siempre trata de ayudar económicamente para que puedan sustentar su hogar y mejorar su vida.
Su mayor sueño es poder tener un gran taller con varios empleados y poco a poco podrá lograr su objetivo.
Ayuda a un joven emprendedor con ganas de salir adelante con un préstamo!
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.