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Erika Marlene
Erika, age 29, has two children, ages 2 and 9. She is a single mother, and she lives in the urban area of the Yoro municipality.

Erika previously worked in a general store. Five years ago she decided to change her business activity and sell perfume and cosmetics by catalog. She has undertaken this business activity through her own efforts. She sets aside part of her earnings to stock her business even more.

She has had loan experience. She is currently requesting her third loan for 15,000 lempiras. She will use the loan to buy new products. She believes that by administering the loan well she will manage to increase her sales, and she will get an improved income.
View original language description ↓
La señora Erika, tiene 29 años, tiene 2 hijos de 2 y 9 años de edad, es madre soltera, reside en la zona urbana del Municipio de Yoro.
Erika, anteriormente trabajaba en una bodega, hace 5 años decidió cambiar de actividad económica, dedicándose a la venta de perfumes y cosméticos por catalogo.
Con su propio esfuerzo ha emprendido esta actividad, destinando parte de las ganancias a la surtir aun más su negocio.
Ya ha tenido experiencia crediticia, actualmente esta solicitando su tercer crédito por la cantidad de 15,000 Lempiras, los cuales destinará a la compra de producto nuevo.
Ella cree que administrando bien su préstamo lograra aumentar sus ventas y obtener una mejoría en sus ingresos.

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
  • 83
    View loans »
    Honduras Loans Fundraising
  • $8,816,850
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Erika Marlene to buy perfume and cosmetics.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 6, 2012
Feb 19, 2012
Currency Exchange Loss:
Apr 18, 2013