El Esfuerzo Del Ocote Group
Sulmy started her own clothing sales business ten years ago; she sells pants, blouses, shirts and underwear for ladies and gentlemen. She started it with her own efforts and works ten hours daily.
She has kept the business going with help from loans that have made it possible for her to improve her quality of life. To date, she’s requested approximately 22 loans.
She is currently asking for 25,000.00 Lempiras to stock her business with merchandise like women’s and men’s clothes. Her goal is to keep the business well stocked and to set it up in a fixed locale. In future, she’d also like to buy cattle to have another source of income.
Sulmy (in the white blouse) belongs to the “El Esfuerzo del Ocote” communal bank together with Nely (striped blouse) who lives in the same community and is a merchant. She’s also asking for 25,000.00 Lempiras to stock her business.
Doña Sulmy, hace diez años estableció su propio negocio de venta de ropa nueva como ser pantalones, camisas, blusas y ropa interior para damas y caballeros, el cual lo inicio con sus propios esfuerzos y le dedica diez horas diariamente.
Ella ha mantenido este negocio con la ayuda de los prestamos, lo que ha permitido mejorar su calidad de vida, a la fecha lleva solicitado aproximadamente 22 prestamos.
Actualmente solicita 25,000.00 Lempiras para surtir el negocio de mercadería como ropa para damas y caballeros.
Su meta es mantener surtido el negocio y establecerlo en un local fijo, también en un futuro desea comprar ganado para tener otros ingresos.
Doña Sulmy (de blusa Blanca) pertenece al grupo solidario El Esfuerzo del Ocote, junto con doña Nely (blusa rayado), quien también vive en la misma comunidad y se dedica al comercio. También solicita 25,000.00 Lempiras para surtir más su negocio.
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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