Buenos Aires Group
Mrs. Amenecia began working for a living at a young age. She worked as a maid, but one day she got tired of working so much for other people, so she decided to open her own business. For several years now she has made and sold tortillas. She has a small tortilla shop which she and her four employees tend to from 4:00 am to 2:00 pm. She has a good customer base who start arriving to buy tortillas around 5:00 am. Unfortunately, the rent for her store is very high and almost all of her earnings go toward paying it.
Amenecia needs this loan of ten thousand lempiras to invest in the purchase of maseca [a popular brand of instant corn masa mix] and firewood. With the support of this loan, she will be able to continue having a source of income for her family and her employees.
Amenecia's goals are to have her own home as well as her own store for her tortilla shop. She has worked with FAMA loans for five years and has payed off her quotas punctually. These loans have helped her to improve her living conditions and her business has grown.
Doña Amenecia inició a ganarse la vida desde muy temprana edad como empleada doméstica y un día cansada de tanto trabajar para otros decidió poner su propio negocio y desde hace varios años se dedica a la elaboración y venta de tortillas. Tiene una pequeña tortillera, que atiende ella y sus cuatro empleados desde las 4 am hasta las 2 pm. Su ventaja es que tiene una buena clientela que empieza a llegar a comprar las tortillas desde las 5 am y su desventaja es que el alquiler del local es muy caro y prácticamente lo que le queda en ganancias es para cubrir el pago.
El préstamo de diez mil lempiras que Amenecia está solicitando lo necesita para invertirlo todo en la compra de maseca y leña. Con el apoyo de este préstamo podrá seguir teniendo una fuente de ingresos para ella y sus empleados.
Las metas de doña Amenecia son tener su propia casa y un local propio para su tortillería. Tiene 5 años de trabajar con los préstamos de FAMA y ha cancelado sus cuotas de manera puntual y los prestamos obtenidos le han ayudado a mejor su condición de vida y su negocio ha crecido.
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