Update on NormandinaNormandina is 58 years old, is widowed, and has five children. She lives in Colonia Moncada Lobo in the town of Juticalpa and makes a living selling second-hand clothing.
Normandina started selling used clothing more than 10 years ago. She works as a street vendor with one of her sons. They go out very early every morning to sell their goods in nearby villages and then return home in the afternoon. Normandina is a healthy woman and thankfully does not suffer from any serious ailments; however, one of her granddaughters has had problems with her vision and has already undergone three operations. Normandina’s granddaughter has now completely lost her vision and is unable to see.
Normandina is asking for a loan so she can purchase bundles of used clothing. This will allow her to stay in business so she can support herself and help her young granddaughter with the medical expenses from her illness.
Normandina’s dream is to see her granddaughter recover, and also to have a fixed location for her business so she won’t have to work as a street vendor and be exposed to crime.
Normandina has had four loans with FAMA and has been very punctual in making her payments.
Doña Normandina inicio a vender ropa usada hace mas de 10 años, trabaja conjunto a uno de sus hijos y lo hacen de forma ambulante. Todos los dias muy temprano por las mañanas salen a las aldeas mas cercanas a realizar ventas y luego regresan a casa por las tardes. Normandina no sufre algún padecimiento grave, gracias a Dios es una persona sana, pero tiene una nieta con problemas en su vista y ya ha sido sometida a tres operaciones, actualmente la niña perdió totalmente su vista y no puede ver.
Doña Normandina solicita este préstamo para comprar varios fardos de ropa usada y así poder seguir teniendo una actividad económica que le permita sostenerse y ayudar a su nietecita con los gastos médicos de su enfermedad.
Su sueño es ver a su nieta recuperada y tener un local propio para ya no andar vendiendo de forma ambulante y exponiéndose a la delincuencia.
Doña Normandina tiene cuatro ciclos en FAMA y es una clienta muy puntual con los pagos.
Previous Loan DetailsSeñora Normandina is 58 years old. She is a widow and mother of 5 children. She lives in the Colonia Moncada Lobo in the town of Juticalpa and she sells second hand clothes. Doña Normandina started selling used clothes more than 10 years ago. She works with one of her children selling the clot... More from Normandina's previous loan »
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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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Success!! The loan was 100% repaid
- Repayment Term
- 15 months (Additional Information)
- Repayment Schedule
- Feb 29, 2012
- Mar 14, 2012
- Currency Exchange Loss:
- Dec 15, 2012
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.