Esfuerzo Y Voluntad Group
Don Laureano started his current businesses in 1999. He and his wife had some savings, so they decided to invest the money in a general store and the purchase of a used automobile for use as a taxi. If left in a bank, their savings would earn very little. They would eventually spend it all and be left with nothing. His wife helps with managing the store while he is in charge of driving the taxi. Their store is open from 6am to 9pm. Laureano has learned to manage his businesses through on-the-job experience. Thankfully, he has not had any major difficulties.
The loan Laureano is requesting will be invested in the purchase of dairy products, chicken, donuts, rice, sugar, cornmeal, coffee, candy, beans, and other necessary products that are part of the daily family diet. With the help of this loan, Don Laureano will be able to restock his store and offer a wider variety of products to his customers. As his S. increase, so will his earnings. Sometimes he has cash flow problems because some his customers are extended credit for their purchases and are slow with their payments.
His goal is to have a mini-market that is profitable so that he can provide better living conditions for his family. This is Laureano’s first loan with FAMA and he hopes to complete his payments on time.
Don Laureano inició con sus actuales negocios en el año de 1999, ya que junto a su esposa tenian unos ahorros y decidieron invertirlos en una pulperia y en la compra de un auto usado para ponerlo a trabajar como taxi, ya que si decidian dejar los ahorros en el banco poco a poco los irian gastando y se iban a quedan sin nada. Su esposa lo ayuda con la pulperia mientras él se dedica a taxear. Su pulperia esta aperturada desde las 6:00 am hasta las 9:00 pm. El manejo de sus negocios lo aprendio con la puesta en practica de los mismos y gracias a Dios no ha tenido grandes dificultades.
El prestamo que Laureano solicita lo necesita para invertirlo en la compra de lacteos, pollo, churros, arroz, azucar, maseca, cafe, dulces, frijoles, entre otros productos necesarios para el consumo diario de las familias. Con el apoyo de este financiamiento Don Laureano podra surtir su pulperia y ofrecer mas variedad de productos a sus clientes y con esto sus ventas aumentaran dejandole ganancias, aunque a veces tiene problemas de dinero porque algunas de sus ventas las da al credito y le quedan mal con los pagos.
Su meta es tener un mini-mercadito que le sea muy rentable para darle una mejor condicion de vida a su familia. Este es su primer credito en FAMA y espera cumplir con el pago de sus cuotas puntualmente.
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.
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Success!! The loan was 100% repaid