Vive junto a su esposo en una pequeña vivienda ubicada en Santa Elena (Colombia) y allí tiene un cultivo de flores y papa, además de otros alimentos que posteriormente venden en una chaza en la plaza de mercado de la región.
Ella trabaja la tierra en compañía de su esposo y así se ganan la vida.
Ella solicita un préstamo para comprar semillas de distintos tipos de flores y así poder sembrarlas para aprovechar las temporadas como el Día de las Madres y San Valentín.
Esto le permitirá vender una mayor cantidad de flores y obtener un aumento en sus ingresos.
Así que Maria es una de las mujeres que todos los días están llenando este mundo de color y aromas deliciosos, haciendo de cada instante un momento inolvidable con sus flores.
More information about this loan
By funding this loan, you are promoting entrepreneurship in remote regions, including areas recovering from guerilla warfare in Colombia, and helping to reverse the rural exodus which occurred in the past decades when a the rural population fled their countryside homes for the safer cities.
This Kiva loan was created by Kiva's field partner Interactuar specifically for Kiva funding, in an effort to reach more borrowers in rural areas. Most of the Interactuar's lending operations are focused in urban parts of Medellin. But this loan product is designed to provide working capital to riskier agricultural businesses who have been traditionally excluded from the finance sector.
Important InformationThis 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.
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