Maria Juana Ramos

Status: Paying Back

$1,125
Loan Request
Pre-Disbursed : Oct 8, 2009
Listed: Oct 8, 2009
Funded: Oct 26, 2009
25% repaid

About the Country

Country:Honduras
Avg Annual Income:$3,009
Currency:Honduras Lempiras (HNL)
Exchange Rate:18.9000 HNL = 1 USD


About the Loan

Location: Tegucigalpa, Honduras   Repayment Term: 14 months
(more info)
Activity: Retail   Repayment Schedule: Monthly
Loan Use: compra de cremas, shampoos, acondicionadores, lapices labiales, productos por catalogo, jeans, camisetas, blusas, batidoras electricas, tintes para cabello   Currency Exchange Loss: Covered
      Default Protection: Not Covered
Señora María Juana Ramos sells various products from catalogs for the brands Vogue and Avon. She lives in the district Predios del Recreo, where she has lived for 9 years. She has many regular customers since the type of products she sells for the most part only last for one month of use. Almost every month the same customers return to buy various items from her. María now needs a loan in order to purchase bikinis, bloomers, socks, underwear, brassieres, and stockings for her to sell. María travels to El Salvador once a month to buy her merchandise, as the goods there are much cheaper and of a quality acceptable to her customers. In the same spirit of hard work, María turns herself into a chef on the weekends, making nacatamales, which she sells on Friday nights from 4-10pm, and on Saturday mornings from 8-11am. María is very motivated to succeed, and she tells us that she feels very happy because things have been going well for her, and she hopes that they will continue to improve even more. It is very pleasant to chat with María.


Translated from Spanish by Kevin Lenhart, Kiva Volunteer


la sra. Maria Juana Ramos se dedica a la venta de mercaderias varias y prodcutos por catalogo de la marca VOGUE y AVON, vive en la colonia predios del Recreo, tiene 9 años de vivir en esa zona, tiene muchos clientes fijos ya que este tipo de productos en su mayoria solo dura un mes de uso, y casi todos los meses sus mismos clientes estan comprandole varias cosas. ahorita necesita el credito para comprar bikinis, blummers, calcetines, calzoncillos, sostenes y calcetas.
Maria viaja a El Salvador una vez al mes para comprar su mercaderia, esto ya que es mucho mas barato y de una calidad aceptable para sus clientes, asi mismo los fines de semana ella se convierte en cocinera y hace nacatamales los cuales los vende desde los viernes en la tarde (4:00pm hasta las 10:00pm) y los sabados los vende desde las 8:00am hasta las 11:00am.
Maria tiene todas las ganas de salir adelante, nos comento que se siente muy feliz porque todo le esta saliendo bien y espera que se mejore mucho mas. es agradable platicar con Maria.

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Journal entries for Maria Juana Ramos


Loan has been disbursed
 
Entrepreneur: Maria Juana Ramos
Location: Tegucigalpa, Honduras

Thank you for your loan. It has been disbursed to Maria Juana Ramos by Prisma Honduras, S.A. in Honduras. We are excited to watch this business grow. Over the 12 months of this loan, Prisma Honduras, S.A. will be collecting repayments from this entrepreneur and posting progress updates on the Kiva website.


Posted by from Tegucigalpa, Honduras
Oct 27, 2009
Comment on this entry

Thank you from Prisma Honduras
 
Entrepreneur: Maria Juana Ramos
Location: Tegucigalpa, Honduras

Dear Lender,

Thank you for supporting an entrepreneur in Honduras! The message below is from Prisma Honduras S.A., Kiva’s field partner in Honduras. As you may know, all borrowers’ profiles are posted on Kiva’s website with the help of microfinance institutions (MFIs) such as Prisma Honduras.

Prisma Honduras wishes to extend their thanks to all the Kiva lenders, and Kiva staff, who during the financial and political crisis that Honduras has been experiencing have continued to support our clients by funding our loans, even knowing that the situation in Honduras has been difficult since the political crisis in June 2009. Our people have suffered a lot, but they still have the inner strength to keep fighting and overcome the difficulties for the good of their family and because they have no other place to live.

Our country is trying to move beyond the political crisis after the elections of the 29th of November. We hope to continue with the valuable support you give by funding our loans and our people. Our goal is to help our clients achieve a better quality of life, by helping to improve their businesses which can help contribute to their food security and that of their families.

Thanks again for your support. The management and staff at Prisma Honduras wishes you all Happy Holidays and a Happy New Year.

Check out all fundraising loans from Prisma Honduras here


Posted by Giovanna Masci, Kiva Staff, from San Francisco, United States
Dec 21, 2009
Comments (11)

Kiva Help Repayment Schedule for Maria Juana Ramos

  Expected Repayments Actual Repayments Comments
January 2010 $93.75 $187.50 Repayment Received
February 2010 $93.75 $93.75 Repayment Received
March 2010 $93.75 Available Mar 1 Repayment Received
April 2010 $93.75 Available Apr 1  
May 2010 $93.75 Available May 1  
June 2010 $93.75 Available Jun 1  
July 2010 $93.75 Available Jul 1  
August 2010 $93.75 Available Aug 1  
September 2010 $93.75 Available Sep 1  
October 2010 $93.75 Available Oct 1  
November 2010 $93.75 Available Nov 1  
December 2010 $93.75 Available Dec 1