Lisdelly, 20, is passionate about the business world. She says that when she finished her academic studies, she proposed to father that they start a gift store, due to the lack of this type of business in their area. He agreed, giving her the capital to start her business project. She has now had this business for two years, and she feels satisfied with the welcome she has had within the commercial sector in her town.
With the goal of offering a greater variety of products for Mother's Day, Lisdelly is applying for a loan to invest in the purchase of merchandise.
Her greatest dream is to see her business grow and to begin her university studies.
Lisdelly de 20 años de edad, es una joven apasionada por el mundo de los negocios. Cuenta que cuando terminó sus estudios académicos le propuso a su padre que montaran una tienda de sentimientos debido a la carencia de este tipo de negocio en el sector, por lo cual él accedió brindándole el capital para iniciar con su proyecto de empresa, Hoy lleva dos años realizando la actividad y se siente satisfecha por la acogida que ha tenido dentro del sector comercial en su localidad.
Con el fin de ofrecer mayor variedad de productos en la fecha del día de madre, Lisdelly se encuentra solicitando un crédito que invertirá en la compra de mercancía.
Su mayor sueño es ver crecer su negocio y comenzar sus estudios universitarios.
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.