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Medio Ambiente Group
In this Group: Dorotea, Digna Nicolasa , Maria Ernestina, Maria Del Rosario
Doña Digna is 55 years old, married and has 3 children. Her husband makes his living in agriculture. She lives in the Posos community of the city of Juticalpa, Olancho Department. For the last 15 years, doña Digna has worked selling cosmetics. A friend of hers, who made her living selling cosmetics, started the business, and doña Digna started working jointly with her. That is how she started getting experience. She travels around to sell her products, since her customers place orders. Doña Digna needs the requested loan to purchase new merchandise, such as: lotions, creams, hair conditioners, facial creams and other products.
One of doña Digna's goals is to teach her children to make an honest living, as that is the best legacy she can leave them. She hopes to be a successful micro-entrepreneur and to be able to have her own shop for selling her products. Doña Digna's financial life has changed greatly, as she has been receiving support with FAMA loans for 15 years. She has punctually complied with her re-payment schedules.
View original language description ↓
Doña Digna tiene 55 años de edad, es casada y tiene 3 hijos, su esposo se dedica a la agricultura y reside en la Comunidad de los posos, en la ciudad de Juticalpa, en el departamento de Olancho. Desde hace 15 años trabaja vendiendo cosméticos. Su negocio lo inició por una amiga que se dedicaba a la venta de cosméticos y empezó a trabajar en conjunto con ella, fue así como comenzó tomando experiencia, su forma de trabajo lo hace ambulante ya que sus clientes le hacen los pedidos por anticipado. El préstamo que solicita doña digna lo necesita para comprar mercadería nueva como ser: lociones, cremas, acondicionadores para el cabello, cremas faciales, entre otros productos.
Una de las metas de doña Digna es enseñarles a sus hijos a trabajar de forma honesta, ya que es la mejor herencia que puede dejarles, sueña con ser una microempresaria de éxito y poder tener un local propio para la venta de su producto. La vida económica de doña Digna ha cambiado grandemente ya que tiene 15 años que recibe el apoyo de los préstamos de FAMA, y ha cumplido puntualmente con el pago de sus cuotas.

Additional Information

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.

About Honduras

  • $4,800
    Average annual income
  • 66
    View loans »
    Honduras Loans Fundraising
  • $8,799,175
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A portion of Medio Ambiente Group's $1,175 loan helped a member to purchase lotions, creams, conditioners and other items.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 24, 2012
Mar 17, 2012
Currency Exchange Loss:
Sep 15, 2012