Colonia Modelo Group
Not having financial help from her husband, she decided to start a business to generate income for her household and for her daughters’ education. She has been selling new and used clothes and wallets for approximately eight years. She sells door to door, and her daughters help her sell.
This is her first loan with ODEF. She has used it to buy more clothes in order to increase her inventory. She is going to take advantage of the peak Christmas season. All of this effort is to manage to have her daughters finish their education.
Simona (in the middle with the pink shirt) is a member of the Colonia Modelo group. The group is comprised of two other people, María Reina and Danubia. Reina (right, with a brown shirt) is 54 years old and she sells food in a cafeteria. Danubia (left, with a white shirt) is 32 years old, and she sells Arabella products (cosmetics) and clothes.
Each one of them has requested a loan for 5,700 lempiras, which makes the group total 17,100 lempiras.
Al no tener ayuda económica de su esposo, ella decide iniciar un negocio que le genere ingresos para el hogar y estudios de sus hijas. y hace aproximadamente 8 años que vende ropa, nueva y usada y venta de carteras, sus ventas son a domicilio. Cuenta con la ayuda de sus hijas para vender.
Este es su primer prestamo con ODEF, y lo ha invertido en compra de mas ropa para incrementar el inventario , ya que va aprovechar la temporada alta de navidad.
Todo este esfuerzo es para lograr que sus hijas terminen sus estudios.
Doña Simona (En medio, de blusa color Rosado), es miembro de un grupo llamado COLONIA MODELO, que esta formado por dos personas más, la señora María Reina y Danubia. Doña Reina( Derecha, la de blusa color café) de 54 años de edad se dedica a la venta de comida en una cafetería, Danubia (a la izquierda, la de blusa color Blanco)tiene 32 años de edad y se dedica a la venta de productos ARABELLA (cosméticos) y ropa. Cada una ha solicitado un préstamo de L.5,700.00, haciendo un total en grupo de L.17,100.00.
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.
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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