“When you are rejected by society, you feel like life is meaningless. Over time I have come to understand that there are words that are not worth internalizing.” These words convey the problems that María Camila, 21, has had upon revealing her true sexual orientation to society.
María Camila is a transgender woman who lives in the town of Itagüí and has been a stylist for two years. She learned this profession from some friends and decided to improve her skills so she enrolled in an academy where she graduated as a stylist. She has worked in various beauty salons, but now wants to be independent and own her own business. For this reason, she is requesting a loan to invest in shampoo chairs and cosmetics.
Her biggest dream is to be able to improve her financial situation and give her parents some economic stability, ensuring a decent life for them.
She is hoping that many doors will open for her professionally and that she will have the opportunity to take part in large national and international events.
“Cuando la sociedad te rechaza sientes que la existencia no tiene sentido, pero con el tiempo he logrado comprender que existen palabras que no valen la pena recibir” Con esta frase, María Camila de 21 años de edad, cuenta los inconvenientes que le ha ocasionado develar a la sociedad su verdadera orientación sexual.
Este joven transexual vive en el municipio de Itagüí y desde hace dos años es estilista, actividad que aprendió gracias a unos amigos. Decidió perfeccionar el oficio, por lo cual ingresó a una academia en donde se graduó como estilista. Ha laborado en varios salones de belleza, pero hoy busca independizarse y convertirse en el administrador de su propio negocio, por esta razón se encuentra solicitando un crédito que invertirá en la compra de lava-cabezas y cosméticos.
Su mayor sueño es poder mejorar su situación financiera y ofrecerles a sus padres una estabilidad económica, garantizándoles una vida digna.
Espera que con su trabajo se le abran muchas puertas y tener la oportunidad participar en grandes eventos a nivel nacional e internacional.
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.