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Jose Santos
Jose Santos is 33 years old and single. He lives with his sister in San Jose in the Lempira department. Three years ago, looking to get an income, he established a mini-market business. He sells food staples like corn, beans, rice, sugar, bread, coffee, flour, pastas, salt, eggs, and soft drinks, etc.

He also has worked in agriculture, and he grows basic grains. He devotes part of his time to the business and the other part to farming. He tends to his customers from 6:00 a.m. until 7:00 p.m. His sister helps him take care of the store.

In order to stock the business he has requested loans from ODEF. This current one is his fourth loan. He will use the loan to buy products like rice, sugar, meat, soap, flour, and soft drinks. The loans have helped him increase the inventory, and his business looks different.

He wishes to fix up his house with the earnings.
View original language description ↓
Jose Santos, tiene 33 años, soltero, vive en San Jose, departamento de Lempira, junto con una hermana.
Jose, en busca de obtener ingresos, hace tres años estableció un negocio de una pulpería donde vende productos de la canasta básica familiar, como maíz, frijoles, arroz, azúcar, pan, café, harina, pastas, sal huevos, refrescos, etc. Además el a trabajado en la agricultura y cultiva granos básicos, un tiempo lo dedica al negocio y otro a la agricultura. Atiende a sus clientes desde las 6:00 a.m a 7:00 p.m, para atender la pulpería le ayuda su hermana. Para surtir el negocio ha solicitado préstamos a ODEF, este actual es el cuarto préstamo y lo va invertir en productos como arroz, azúcar, carnes, jabón, harina y refrescos. Los préstamos le han ayudado a incrementar el inventario, su negocio se ve diferente. De las ganancias desea arreglar 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

  • $4,200
    Average annual income
  • 27
    View loans »
    Honduras Loans Fundraising
  • $8,239,325
    Funds lent in using Kiva
  • 19.0
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Jose Santos to stock his business with products like rice, sugar, meat, soap, flour, and soft drinks.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Dec 16, 2011
Jan 17, 2012
Currency Exchange Loss:
May 17, 2013