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In service, Premal Shah, President,

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Renacer Group
In this Group: Jose Santos , Sara Amileth
Sara Amileth C. H. is 33 years old. She lives in the small town of La Concepción. She married to José Cáceres and has three children who are 16, 15, and 13 years old. Three years ago she and her husband opened a small grocery store in their home. Now they also have a small store located in the municipal bus terminal where her husband sells all kinds of fruits and vegetables. She works from 5:30AM until 6:0PM. Her father taught her to work.

The loan will be used to buy a large variety of seasonal fruits and also vegetables, dairy products, basic grains like rice, corn, and beans, pastas, sauces, condiments, etc. With this loan, she will be able to offer her customers more and different products. She will also have more income to use to cover the school costs for her children and also to feed her family.

One of the challenges she faces is that the location where they have the fruit and vegetable business isn’t very good. Every month they have to pay rent and oftentimes sales aren’t very good. However, she can count on the income from the small grocery store she has in their home, and that way she can help her husband.

Her dream is to see her children grow up healthy and for them to be professionals and very hardworking. She also hopes that the location where they have the fruit and vegetable business can someday belong to them.

She has been a client with FAMA for 10 years and it is thanks to the loans that she has received that she has her current business.
View original language description ↓
El Grupo Renacer esta integrado por dos miembros, Sara Amileth C. H. y Jose Santos C. M., estan casados y tienen diferentes negocios.

Sara tiene 33 años de edad y Jose tiene 39, residen en la Aldea La Concepcion en Juticalpa, tienen tres hijos de 16,15 y 13 años de edad. Hace años atras comenzaron con una pequeña pulperia en su domicilio. Ahora ellos tambien cuentan con un pequeño local ubicado en la terminal de buses municipal y alli Jose vende todo tipo de frutas y verduras. Trabaja desde las 5:30 am hasta las 6:00 pm y su padre le enseño a trabajar. Sara atiende la pulperia en su domicilio todos los dias.

Los prestamos seran invertidos para la compra una gran varidad de frutas de la temporada y tambien verduras, lacteos, granos basicos como arroz, maiz y frijoles, pastas, salsas, condimientos, etc. Con los prestamos podran ofrecer a sus clientes mas y diferentes productos, y tambien tener mas ingresos para cubrir los gastos escolares de sus hijos y tambien para llevar el pan de cada dia a su hogar.

Uno de los desafios que enfrentan es que el local donde Jose tiene el negocio de frutas y verduras no es propio y todos los meses deben pagar una renta mensual y en muchas ocasiones las ventas no son muy buenas, pero cuenta con los ingresos de la pequeña pulperia de Sara que tiene en su domilicio y asi ayuda con la renta.

Sus sueños son ver crecer a sus hijos sanos y que sean personas de bien y muy trabajadoras, tambien desean que el local donde funciona el negocio de frutas y verduras algun dia pueda llegar a ser suyos.

Hace mas de 10 años son clientes de FAMA y gracias a los prestamos que han recibido cuentan con sus negocios actuales.

Additional Information

About FAMA:

Honduras is one of the poorest countries in the Western Hemisphere with approximately 59% of people living below the poverty line. Familia y Medio Ambiente OPDF (FAMA OPDF) is a Honduran non-profit with no religious or political affiliation. FAMA’s mission is to provide quality and opportune financial services so that men and women have equal opportunities to develop their micro or small businesses, whether they focus on agriculture, manufacturing or services. FAMA operates 13 branches throughout Honduras and serves over 12,500 clients.

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
  • 79
    View loans »
    Honduras Loans Fundraising
  • $9,175,850
    Funds lent in using Kiva
  • 18.9
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A portion of Renacer Group's $550 loan helped a member to buy rice, corn, beans, etc.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jul 13, 2010
Jul 24, 2010
Currency Exchange Loss:
Jan 6, 2011