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Blanca Ermel
Blanca, age 43, lives in the rural village of Peña Blanca. She lives with her husband, José, and their five children. The children are 27, 25, 20, 18, and 14 years old.

She has been selling women’s clothes for 20 years. She started her business by selling clothes in an itinerant manner. Later, the village rented a property for various businesses. However, there were administrative problems, and they were evicted. After negotiating once more, they managed, with help from the village, to have their businesses relocated to a public thoroughfare around the central park. Her business currently operates there, where she has built a wooden stall.

Blanca is very perseverant. She has requested five loans from ODEF. They have worked very well, and she now has a good customer base. Her income has increased, and this has allowed her business to grow. She has also been able to pay part of the educational expenses for her children. Her husband also supports her through his work as a driver for an electrical power company.

Her dream is to continue with the education of her two youngest children. She also dreams of, in the future, building her own place on the land where her house is.
View original language description ↓
La señora Blanca, tiene 43 años de edad, vive en la aldea rural de Peña Blanca con su esposo José y sus 5 hijos con edades de 27, 25,20, 18 y de 14 años. Tiene 20 años de dedicarse a la venta de mercadería de ropa de mujeres. Inicio su negocio de venta de ropa de manera ambulante. Luego la alcaldía rento un predio para ubicar varios negocios, pero hubo problemas administrativos y fueron desalojados. Luego de gestionar nuevamente, lograron que sus negocios fueran reubicados en una vía pública alrededor del parque central con el apoyo de la alcaldía, Actualmente funciona en este lugar donde ella construyo el cubículo de madera.

Doña Blanca, es muy perseverante, ha solicitado 5 prestamos con ODEF, los cuales ha trabajado muy bien donde ya cuenta con una buena clientela. Sus ganancias han aumentado lo que le ha permitido crecer su negocio. Además ha podido pagar parte de los gastos educativos de sus hijos ya que su esposo también le apoya a través de su trabajo como motorista en una empresa de energía eléctrica. Su sueño es continuar con la educación de sus dos hijos menores y en un futuro construir su propio local en el terreno de su casa.

Additional Information

About Organización de Desarrollo Empresarial Femenino Financiera, S.A.

This loan is administered by Organización de Desarrollo Empresarial Femenino Financiera, S.A. (ODEF), a Kiva Field Partner in Honduras. A leader in the microfinance sector since 1985, ODEF strives to combat poverty by offering a wide array of financial services to low-income men and women. The organization works with its parent NGO, ODEF OPD, to provide training and technical assistance to impoverished microentrepreneurs. By incorporating the entire family unit in this process, ODEF OPD aims to improve the standard of living through the creation of profitable enterprises. Visit ODEF’s partner page for more information.

About Honduras

  • $4,800
    Average annual income
  • 34
    View loans »
    Honduras Loans Fundraising
  • $8,940,000
    Funds lent in using Kiva
  • 18.9
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Blanca Ermel to buy women's clothes to stock her inventory.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 13, 2011
Oct 14, 2011
Currency Exchange Loss:
Nov 15, 2012