Juan Francisco Group
Marina started her grocery store 10 years ago when her husband emigrated to the United States in search of the American dream. She and her children were left alone for a time, without any source of income. So, since her mother sold groceries, she helped Marina by lending her some products so that Marina could convert part of her home into a small convenience store. This is how Marina got her start. Later, when she found out that FAMA provides loans to people with small businesses, she went to their offices. After making a loan request, it was approved. With the money that she received she was able to buy more products and return what she had borrowed from her mother.
Maria needs this new loan to purchase salt, sugar, pasta, rice, butter, toothpaste, soda, soup, toilet paper, coffee, sweets, bread, and other products for consumption and home use. With the support of this loan she will be able to stock her grocery store with more products and a greater variety. This way, her sales will increase and her income will be better.
Her goal is to expand her business until it is a mini-market, and also to set up a stand for selling candy at night. Her fellow group members sell candy (Reyna) and donuts (Agustina). Marina has taken out at least 10 loans from FAMA and this has allowed her to keep her business going, to maintain her family, and to keep her daughters in school.
Marina inició su negocio de venta de abarroteria hace unos 10 años atras cuando su esposo emigró a los Estados Unidos en busca del sueño americano. Ella y sus hijos quedaron solos por un tiempo y sin ninguna fuente de ingresos, entonces como la madre de Marina se dedicaba a la venta de abarroteria le ayudó prestandole algunos productos para que pusiera en su casa de habitacion una pequeña pulperia, y asi inició Marina. Luego de un tiempo se dio cuenta de que en FAMA otorgaban prestamos a personas con pequeños negocios y acudió a las oficinas y despues de hacer la solicitud de prestamo, éste le fue aprobado y con el dinero que recibió pudo comprar mas productos y devolverle a su madre los que le habia prestado.
El prestamo que Marina esta solicitando lo necesita para comprar sal, azucar, pastas, arroz ,amteca, pasta dental, refrescos, sopas, papel higienico, cafe, dulces, pan, entre otros productos para consumo y uso domestico. Con el apoyo de este financiamiento podrá surtir su pulperia de mas y variados productos, y asi sus ventas aumentaran y sus ganancias seran mejores.
Su meta es hacer crecer su negocio y que llegue hacer un mini-mercadito y tambien instalar una caseta para vender golosinas por la noche. Sus compañeras de grupo se dedican a la venta de golosinas (Reyna) y rosquillas (Agustina). Marina ha obtenido por lo menos 10 prestamos en FAMA y eso le ha permitido tener su negocio activo y ha podido sostener a su familia y a sus hijas en la escuela.
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