Duberney, barely 25 years old, is the happy father of two young children for whom he has worked constantly to provide them with the best opportunities in life.
Approximately 11 years ago, he started a locksmith's and glassware shop with a friend. Little by little he bought his own tools, and this was how he finally was able to start his own locksmith's shop and become completely independent.
He is a dedicated man, and in his face is reflected the love that he feels for his work and his family.
He is asking for monetary support to give his business a boost with raw materials such as aluminum, iron, and glass, components that will capitalize his business and give him the opportunity to increase his production and, as a result, his sales.
His goal is to have a large metallurgy factory where he can offer a lot of jobs and have stable and lasting income.
Duberney, con escasos 25 años, es el feliz padre de dos hijos menores por los cuales ha trabajado de manera constante para brindarles las mejores oportunidades de vida.
El inicio con una cerrajería y vidriería hace aproximadamente 11 años en compañía de un amigo, poco a poco fue comprando sus propias herramientas y fue así como finalmente opto por montar su propia cerrajería e independizarse totalmente.
El es un hombre dedicado y en su rostro refleja el amor que siente por su trabajo y su familia.
El pide un apoyo monetario para darle un impulso a su negocio con materia prima tales como aluminio, hierro y vidrio, elementos que capitalizaran su actividad y le darán la oportunidad de aumentar su producción y por ende sus ventas.
Su objetivo es tener una gran fábrica de metalurgias donde pueda ofrecer muchos empleos y tener unos ingresos estables y duraderos.
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.