Marisela, at the age of 30, is the mother of two children and lives in free union with her partner. At this time she sells catalog products, and in addition, she is taking a beauty course and wants to set up her own business, with the goal of generating income to offer sustenance to her children and support the household economy. With the loan that she is applying for, she wants to buy her working tools (straightening iron, dryer, brushes, and hair treatments, among other items) and stock up on catalog merchandise (cosmetics, perfumes, and body creams, among others). In this way she will be able to start her own productive project, and in addition she will be able to offer a greater variety of products to her customers in order to satisfy the demand that increases in the approaching Christmas season. In this way she hopes to generate good income to continue watching out for the well-being of her children and advance toward the completion of her goals. Marisela, with her force, effort, and dedication will continue working, since her principal dream is to be able to be with her children more and offer them a better quality of life.
Marisela, a sus 30 años de edad, es madre de 2 hijos y vive en unión libre con su pareja sentimental. Actualmente se dedica a vender productos por catálogo, además está realizando un curso de belleza y, desea iniciar su propio negocio, con el fin de generar ingresos para brindar el sustento a sus hijos y aportar a la economía del hogar. Con el crédito que solicita desea comprar las herramientas de trabajo (plancha para el cabello, secador, cepillos, tratamientos capilares, entre otros) y, abastecerse de mercancía de catálogo (cosméticos, perfumería, cremas corporales, entre otros), de esta forma podrá dar inicio a su proyecto productivo y además podrá ofrecer más variedad de productos a sus clientes, para satisfacer la demanda que incrementa en la temporada de navidad que se aproxima, de esta manera espera generar buenos ingresos para continuar velando por el bienestar de sus hijos y avanzar hacia el cumplimiento de sus objetivos. Marisela, con su empuje, empeño y dedicación continuará trabajando, pues su principal sueño es poder estar más tiempo con sus hijos y brindarles una mejor calidad de vida.
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.
A loan of $600 helped Marisela to buy working tools (straightening iron, dryer, brushes, and hair treatments, among other items) and to stock up on catalog merchandise (cosmetics, perfumes, and body creams, among other items).