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Crisma Group
In this Group: Santos David, Maria Ondina, Jose Cecilio
CRISMA is a very united group made up of two men and a woman. Details of each of their activities are set out below:


SANTOS DAVID G. J.: his main activity is selling various things. His business operates under the name "Variedades MELISSA" and is located on the main street of Villa Santa, a very strategic location for this type of business. He is married with 2 children, whom he provides with everything for food, clothing, medical and educational expenses. His wife is a nurse and lends her services to a health centre in a community near Villa Santa. In his business, he has a great variety of materials for students, gifts for every occasion, body creams and American clothes. The income the business generates covers home expenses.


MARIA ONDINA A. R.: she has worked selling sweets for 7 years. Previously she spent all her time selling from a room in her house but for the past 3 years she has been selling the sweets in a cafeteria in the Villa Santa college where she receives more income. She now sells from the college during working hours and when the school period finishes, she continues selling from a room in her house in the evening. Her clients prefer her for the attention she offers and the taste of her products. She is married with 4 children. She decided to work in the business because their financial situation was difficult and since starting their living conditions have improved. She works with her husband to cover certain household costs and has been able to support one daughter to graduate from secondary school. Her husband works in agriculture and their daughter helps with the business.


JOSE CECILIO S. Z.: he is 23 years old and works repairing electrical appliances, refridgerators and electric motors. He is married and has two children. Jose began working from an early age as he found academic work difficult and only passed the 2nd grade of primary education. He works hard because he doesn't want the same thing to happen to his children, so he makes an effort so that they will graduate.

View original language description ↓
CRISMA es un grupo que lo integran dos varones y una mujer, es un grupo muy unido, acontinuacion se detalla las actividades de cada uno de ellos:

SANTOS DAVID G. J. su principal actividad es la venta de variedades, su negocio opera bajo el nombre de "Variedades MELISSA" se encuentra ubicado en la calle principal de Villa Santa, ubicación muy estrategica para este tipo de negocio.- Es casado y padre de 2 hijos, a los cuales le esta brindadando todos los gastos de alimentación, vestuario, medicina y educación, su esposa es enfermera y presta sus servicios en un centro de salud en una comunidad cercana a Villa Santa.
en su negocio tiene una gran variedad de materiales para estudiantes, regalos para toda ocación, cremas para el cuerpo y ropa americana, con los ingresos que el negocio le genera cubre los gastos del hogar.
MARIA ONDINA A. R. tiene 7 años de dedicarse a la venta de golosinas, anteriormente se dedicaba a tiempo completo a vender en su casa de habitación pero hace 3 años que esta vendiendo en la cafeteria del colegio de Villa Santa, donde percibe mayores ingresos, ya que en horas laborables del colegio vende en la cafeteria y por la tarde vende en su casa de habitación, cuando termina el periodo escolar sigue vendiendo en su casa de habitación, sus clientes la prefieren por la atención que les brinda y por el sabor con que elabora su producto.- es casada y dependen 4 hijos del matrimonio, ella decidio dedicarse al negocio por que la situción economica para ellos no era favorable y desde que inicio con el mismo su condicion de vida ha mejorado, ella colabora con su esposo a cubrir ciertos gastos del hogar, ya logro graduar una hija de secundaria, su esposo se dedica a la agricultura, y en su negocio le ayuda su hija.
JOSE CECILIO S. Z. tiene 23 años de dedicarse a la reparacion de electrodomesticos, reparación de refrigeradoras y reparación de electricidad automotriz.- él es casado y padre de
2 hijos.
Jose empezo desde temprana edad a trabajar ya que no tuvo la facilidad de prepararse academicamente
y solo paso 2ª grado de primaria, el trabaja fuertemente por que no quiere que sus hijos pasen lo que él vivio por eso se esfuerza para que puedan graduarse.

Additional Information

Prisma Honduras, S.A.

This loan is administered by Prisma Honduras. Prisma is one of Kiva's first field partners in Central America and has funded over 2,500 entrepreneurs through Kiva since 2008. Prisma funds smaller than average loans for micro-entrepreneurs to help them grow businesses in urban and rural areas. To improve living conditions in Honduras, the organization strives to empower women who lack access to traditional financial services, and promotes solar panels to deliver clean, affordable electricity to rural areas. Through its four branches in southern and central Honduras, Prisma provides access to financial products to some of the poorest and most isolated communities in the country.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Honduras

  • $4,800
    Average annual income
  • 83
    View loans »
    Honduras Loans Fundraising
  • $8,673,875
    Funds lent in using Kiva
  • 18.9
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A portion of Crisma Group's $1,175 loan helped a member buying notebooks, pencils of various colours, correctors, mechanised pencils, sheets of card, paper, erasers, pencil sharpeners, markers, sandals for women and children, women's underwear, creams, drinks, chickens, fritters, juices, biscuits, jams and oils.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 19, 2009
Listed
Sep 19, 2009
Currency Exchange Loss:
Covered
Ended:
Jun 15, 2010