Jaime, 68, is married and the father of a child whom he has gotten ahead with great effort.
He has more than 40 years of work experience in commerce. For 10 years he has made a living with his own business, a deli where he sells soda, pastry, sweets, beer, liquor, and fried food that his wife makes. He also rents a pool table for his customer's enjoyment. This has earned him enough income to pay for his household necessities as well as his son's education.
Jaime wants to invest his loan in buying stock wholesale (pastry, beer, liquor, soda, and other things). This will given him enough resources to respond to customer demand and improve his sales and income.
Jaime's goal is to keep on working to strengthen his business as long as God and his body allow. He wants to leave his business to his son to ensure him favorable economic stability so he'll enjoy better living conditions and greater well-being.
Jaime, a sus 68 años de edad, es casado y padre de un hijo al que ha sacado adelante con gran esfuerzo.
Cuenta con más de 40 años de experiencia laboral, trabajando en el comercio y desde hace 10 años se dedica a atender su propio negocio, una charcutería en la que ofrece gaseosas, mecato, dulces, cervezas, licor y alimentos fritos que su esposa prepara; además presta el servicio de alquiler de billares para entretenimiento de sus visitantes; esto le ha generado los recursos suficientes para solventar las necesidades de su hogar y además pudo darle educación a su hijo.
El crédito que solicita desea invertirlo en la compra de surtido al por mayor (mecato, cervezas, licor, gaseosas, entre otros), esto le permitirá tener disponibilidad suficiente para atender la demanda de su clientela, mejorando las ventas e ingresos que recibe por su labor.
Jaime tiene como propósito seguir trabajando en el fortalecimiento de su negocio hasta que Dios y su cuerpo se lo permitan, pues desea dejarlo como herencia a su hijo para garantizarle así una estabilidad económica favorable que le permita vivir en mejores condiciones y con un mejor bienestar.
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.