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Vilma Emelina
Vilma is a housewife and trader. She is 49 years old, married, and has 6 children. She lives in the hamlet of La Puerta in the Lepaguare community in Olancho.
She started out earning a living selling cosmetics, but now she sells second hand clothes for kids and bedding. She had the idea to start this business after seeing some of her neighbors selling clothes and doing well from it. So, she bought a bundle of clothes and got very good returns and also was able to keep some items for her own use. She does not have set work hours, but her customers can come and find her in her house and she also goes around the community making sales when she has finished the daily housework. One of the advantages of this work is that the income enables her to help her husband with the household expenses. One of the drawbacks is that, as she sells her goods in the street, she is exposed to all types of weather.
She will use this loan to buy three bundles of second-hand clothing and this will leave her business better supplied. The resulting income will enable her to keep supporting the daily needs of her family. Her dream is to open a store so she can have another source of income to support her youngest daughter's studies.
View original language description ↓
Vilma Emelina B. Núñez es una ama de casa y comerciante de 49 años de edad, es casada, tiene seis hijos y reside en la Aldea La Puerta en la Comunidad de Lepaguare, Olancho.
Inició a ganarse la vida vendiendo cosméticos, ahora ella se dedica a la venta de ropa de segunda mano para camas y niños, aprendió su negocio después de observar que algunas de sus vecinas vendían ropa y les iba bien, entonces compró un fardo y obtuvo muy buenas ganancias y además le quedaron algunas piezas para uso personal. No tiene un horario de atención establecido ya que los clientes pueden ir a buscarla a su casa y también sale a vender cuando termina los quehaceres de su hogar. Una de las ventajas que tiene es que con las ganancias puede apoyar a su esposo con los gastos del hogar y una de sus dificultades es que como vende de forma ambulante está expuesta a cualquier cambio de clima.
Con el préstamo solicitado comprará tres fardos de ropa de segunda mano y con eso su negocio estará mejor surtido y con las ganancias obtenidas no la faltaría el sustento diario a su familia. Su sueño es instalar una pulpería para tener otra entrada de dinero y de esta manera obtener más ganancias para poder seguir dándole el estudio a su hija menor.

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.

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 loan of $800 helped Vilma Emelina to buy bundles of second-hand clothes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 23, 2010
Listed
Oct 20, 2010
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2011