Johana, age 27, is known for being an active and hardworking woman who strives tirelessly to provide the best for her 10-year-old son. For about a year she has been selling merchandise, such as clothes and shoes, so that she can generate income to help her husband with the financial responsibilities of their household. Her main customers are relatives, friends, and neighbors from the area. Johana’s advantage is that she has a very expressive attitude, which helps to facilitate communication with different people who eventually become her customers.
The loan she is requesting will help strengthen her stock of merchandise. She will buy footwear, especially tennis shoes of known brands. This will help to expand her market since she will be able to offer good quality products at affordable prices. She will benefit from the income she generates from her work.
With the drive to succeed and the intention of accomplishing her goals, Johana says that she will continue to move forward with those she loves and will provide a better education for her son.
Johana, a sus 27 años de edad, se caracteriza por ser una mujer activa y trabajadora, que lucha incansablemente para brindarle lo mejor a su hijo de 10 años.
Desde hace aproximadamente 1 año, comenzó a vender mercancía como ropa y calzado, con el fin de generar recursos que le permitieran apoyar a su esposo con la carga económica de su hogar.
Sus principales clientes son familiares, amigos y vecinos del sector, tiene la ventaja de contar con una actitud muy expresiva, lo que le facilita la comunicación con diferentes personas, quienes finalmente se convierten en sus clientes.
El crédito que solicita es un apoyo para fortalecer su stock de mercancía, comprará calzado, especialmente tenis de marcas reconocidas, esto le permitirá abrirse a un mercado más amplio, pues los productos que ofrece son de buena calidad y a precios accesibles; beneficiando así los ingresos que percibe por su labor.
Johana, con su espíritu de superación y la proyección hacia el cumplimiento de sus metas, manifiesta que seguirá luchando para salir adelante en compañía de los que ama y brindar una mejor educación a su hijo.
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.