Yajaira, age 25, is a member of the Communal Bank “Mujeres Emprendedoras” (Women Entrepreneurs). She sells undergarments while her husband is a small-scale farmer, growing corn and beans. They have three children, which includes two daughters. Yajaira is a determined individual who was born in the neighborhood of San Nicolas. She started selling undergarments with a little bit of money that she had saved because she needed to help her husband with the household expenses since the cost of food keeps increasing each day. Her business does not have a formal name because she sells as a traveling vendor. She visits the homes of her neighbors so that she can show them the merchandise. If they like the products and do not have money to pay immediately, then Yajaira will extend credit to her customers. Her schedule for making sales is from Monday through Friday in the afternoons. This gives her time to take care of the household chores, but on the weekends she leaves very early. Her greatest difficulty is when it rains because she is not able to leave the house.
The loan Yajaira is requesting will be used to buy bras, bloomers, bikinis, boxers, and other items. With the support of this loan, she will able to move forward with her business. This enables her to generate income so that she can help her husband and children. Her goal is to establish a small shop in her home. Yajaira has participated in six loan cycles with FAMA and has submitted her payments on time.
Yajaira tiene 25 años de edad, se dedica a la venta de ropa interior y es miembro del Banco Comunal Mujeres Emprendedoras, es casada y su esposo se dedica a cultivar en pequeña escala maíz y frijoles, tiene tres hijos de los cuales dos son niñas, es una persona muy luchadora y desde que nació reside en la Aldea San Nicolas. Yajaira inició a vender ropa interior con un poquito dinero que tenía ahorrado porque necesitaba ayudar a su esposo con los gastos del hogar ya que el costo de la canasta básica cada día es mas alto. Su negocio no tiene nombre porque realiza las ventas de forma ambulante, visita las casas de sus vecinos para enseñarles la mercaderia y si les gusta y no tienen dinero para pagarle inmediatamente se las deja al credito. Su horario para realizar las ventas es de lunes a viernes por las tardes y asi le queda tiempo para atender los quehaceres de su hogar pero los fines de semana sale desde muy temprano, aunque su mayor dificultad es cuando llueve no puede salir de su casa. El prestamo que solicita Yajaira lo necesita para comprar brazieres, blumeres, bikinis, boxers, entre otros. Con el apoyo del prestamo podra seguir adelante con su negocio y eso le permitirá seguir obteniendo ganancias para ayudar a su esposo y sus hijos. Su meta es instalar una pequeña en su casa. Yajaira tiene seis ciclos en FAMA y ha sido muy puntual con sus pagos.
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.