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Mujeres Del Valle Group
In this Group: Leyla Del Carmen, Neybi Sofia, Julia Amparo, Yolanda Maribel, Félix
The communal bank "Mujeres del Valle" ["Women of the Valley"] is made up of 5 enterprising people, from the village of Santa Maria in Jamastran, El Paraíso. The members of the group are Leyla del Carmen M. C., Neybi Sofia R. O., Julia Amparo O., Yolanda Maribel M. V. and Félix O. M..

The following sections describe the diverse activities they carry out each day to earn their income:

Leyla del Carmen M. C. is the mother of three children and resides with her live-in partner, Josué Herrera, in Santa Maria de Jamastran, El Paraiso. Leyla is a traveling salesperson who sells cosmetics in her community. The products she sells include body and facial creams, deodorants, lotions, shampoo, conditioners and lip gloss. Leyla has sold these products to her customers in the community for several years, building up a loyal network of customers who are very happy with her level of service. Leyla's business helps her pay the household expenses and the educational fees for her three children.

Leyla will use the loan to expand her inventory with the most popular products, such as lotions, deodorants and lip gloss, as well as buying some new products, such as combs, lipstick and eye shadow. With the earnings from her business, Leyla will cover the academic costs for her children and improve her family's quality of life.

Neybi Sofia R. O. is the common-law wife of Sebastián M., with whom she has 4 children. Sebastián emigrated to the United States in search of a better life, and he sends funds to Neybi every month to help with the household expenses.

Neybi sells personal care products such as lip gloss, powders, shampoo, conditioner, and body and facial creams. Neybi makes most of her sales as a traveling salesperson in the municipality of Santa Maria, Jamastran. With the earnings from her business, Neybi has been able to help her family get ahead, providing her children with an education so they can have a better future. Neybi will use the loan to buy more products and thus increase the variety she offers to her customers, so she can improve her sales.

Julia Amparo O. has four children and is married to José Rodríguez. Julia and Jose live in the municipality of Santa Maria in Jamastran, El Paraiso. Jose is a farmer who plants corn and beans every year. For several years, Julia has worked preparing food in her own house, after the small restaurant next door closed down, and the customers asked her if she could cook for them. Most of Julia's customers are members of the National Police from her municipality and from Chichicaste. With this loan, Julia will pay for the installation of a stand in front of her house from which she will sell fast food and snacks. Julia will use the earnings from her business to improve her family's quality of life.

Yolanda Maribel M. V. has 3 children and is married to Walter Ardon, with whom she lives in the municipality of Santa Maria, in Jamastran, El Paraiso. Yolanda has worked for several years selling bread and snacks as a mobile vendor. When there are soccer games in her town, Yolanda prepares her basket of bread and snacks and walks to the stadium, where she sells food to the spectators. During the week, Yolanda works baking bread to sell in the corner stores in her town.

Yolanda will use the loan to cover the expenses of buying eggs, flour, oil, shortening, margarine, sugar, yeast, beef, cabbage, tomatoes, onion, corn flour and beans. The earnings from her business will help Yolanda and her husband support their children, so they can continue with their studies.

Félix O. M. works as a tailor in his village of Santa Maria in Jamastran, El Paraiso. Félix has no children, but he helps a niece who depends on him. Félix has made men's pants and women's suits for many years. Although Félix lives in Santa Maria, he has many customers who travel from nearby communities for his services, because the quality of his work is well known. Félix will use the loan to buy more fabrics and accessories for tailoring. With the earnings from his business, Félix will be able to improve his standard of living and cover his niece's housing expenses.
View original language description ↓
El grupo solidario Mujeres del Valle esta compuesto por 5 personas empresariales del pueblo de Santa Maria en Jamastran, El Paraíso. Los integrantes del grupo son la Sra. Leyla del Carmen M. C., la Sra. Neybi Sofia R. O., la Sra. Julia Amparo O., la Sra. Yolanda Maribel M. V. y el Sr. Félix O. M..

A continuación se detallan las diferentes actividades que ellos realizan diariamente para generar ingresos monetarios:

La Señora Leyla del Carmen M. C. es madre de tres hijos y reside con su compañero de hogar, el señor Josué Herrera, en Santa Maria de Jamastran, El Paraiso.

Leyla es una vendedora ambulante que vende cosméticos en su comunidad. Algunos de los productos que Leyla tiene a la venta son: Cremas para el cuerpo, cremas faciales, desodorantes, lociones, shampoo, acondicionador y brillos labiales. Leyla lleva varios años vendiendo a sus clientes de la comunidad creando una red leal de consumidores muy felices con su nivel de atención. El negocio de Leyla ayuda a pagar los gastos de la casa y la educación académica de sus tres hijos.

Leyla utilizara el préstamo para surtir su inventario con los productos mas populares, como ser lociones, desodorantes y brillos labiales al igual que para la compra de nuevos productos, como peines, lápiz labial y sombras. Con las ganancias del negocio, Leyla cubrirá los costos académicos de sus hijos al igual que mejorar su nivel de vida.

La Sra. Neybi Sofia R. O. es compañera de hogar del señor Sebastián M. con quien tiene 4 hijos. Sebastián emigro a los Estados Unidos en busca de una mejor vida y le manda remesas a Neybi todos los meses para ayudar con los gastos familiares.

Neybi vende productos de uso personal como ser brillos labiales, talcos, shampoo, acondicionador, cremas corporales y cremas faciales. Neybi lleva a cabo la mayoría de sus ventas de manera ambulante en la aldea de Santa Maria, Jamastran. Con las ganancias del negocio, Neybi ha podido sacar adelante a su familia proveyéndoles una educación para un futuro mejor. Neybi utilizara el préstamo para comprar mas productos y así poder incrementar la variedad que ofrece a sus clientes para mejores ventas.

La Sra. Julia Amparo O. tiene cuatro hijos y esta casada con el Señor José Rodríguez. Julia y Jose residen en la aldea de Santa Maria en Jamastran, El Paraiso. Jose es un agricultor que siembra maíz y frijoles todos los años. Julia lleva varios años preparando comida desde su propia casa después que el comedor vecino dejo de operar y los clientes le pidieron a ella si podía cocinarles. La mayoría de la clientela de Julia es de la Policía Nacional dentro de su aldea y del Chichicaste. Con este préstamo, Julia pagara la instalación de una caseta en frente de su casa para vender comida rápida y golosinas. Julia utilizara las ganancias de su negocio para mejorar la calidad de vida de su familia.

La Sra. Yolanda Maribel M. V. tiene 3 hijos y esta casada con el Señor Walter Ardon con quien reside en la aldea de Santa Maria en Jamastran, El Paraiso. Yolanda se dedica a la venta de pan y golosinas desde hace varios años de forma ambulante. Cuando hay juegos de fútbol en su aldea, Yolanda prepara su canasta de pan y golosinas para caminar al estadio y vender comida a los espectadores. Durante la semana, Yolanda se dedica a hornear pan para venderlo a las pulperías de la aldea.

Yolanda utilizara el préstamo para cubrir los gastos de la compra de huevos, harina de trigo, aceite, manteca, margarina, azúcar, levadura, carne de res, repollo, tomate, cebolla, harina de maíz y frijoles. Las ganancias del negocio ayudaran a Yolanda y su esposo para apoyar a sus hijos en que continúen con sus estudios escolares.

El Sr. Félix O. M. se dedica a la sastrería en su pueblo de Santa Maria en Jamastran, El Paraiso. Félix no tiene hijos pero ayuda a una sobrina que depende de el. Félix se dedica a la confección de pantalones de hombre y trajes de mujeres desde hace varios años. A pesar de que Félix reside en Santa Maria tiene muchos clientes que viajan desde comunidades cercanas por sus servicios ya que la calidad de su trabajo es bien conocida. Félix utilizara el préstamo para comprar más telas y accesorios de sastrería. Con las ganancias de su negocio, Félix podrá mejorar su nivel de vida y cubrir los gastos de vivienda con su sobrina.

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

  • $4,200
    Average annual income
  • 12
    View loans »
    Honduras Loans Fundraising
  • $8,227,050
    Funds lent in using Kiva
  • 18.9
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A portion of Mujeres Del Valle Group's $1,800 loan helped a member buying more products to expand her inventory.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 17, 2010
Listed
Aug 1, 2010
Currency Exchange Loss:
Possible
Ended:
May 15, 2011