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Senderos De Luz Group
In this Group: Elida Rosa, Vilma Maria , Julia Cecilia, Reina Rumilda
"Grupo Solidario Senderos de Luz" [Paths of Light Solidarity Group] is made up of four members who work in different economic activities in the hamlet of Zopilotepe in Juticalpa municipality. Julia Cecilia is the coordinator of this Solidarity Group. She sells secondhand clothing, is married, has three daughters, and is a very well known figure in the community with very good references on the part of her customers and neighbors.

Julia Cecilia's first business was a bookstore but it didn't do well and she decided to switch to a different business. Today she sells used clothes for women, men, boys and girls, and also has a photocopy machine which earns her a little extra. She tends her business herself, and her day starts at 7 am and ends at 8 pm. Her greatest advantage is that she doesn't neglect her family on account of her business, since she sells the clothing in her own home and doesn't have to pay rent for a shop.

Julia Cecilia is requesting this loan in order to purchase bundles of used clothing in summery styles to attract more attention during Holy Week, and in this way increase her sales. This will greatly benefit her and her family. Her dream is to make her business grow and branch out into different product lines. This will be her fifth loan from FAMA and she expects to continue fulfilling her commitment by making her payments on time.
View original language description ↓
Grupo Solidario Senderos de Luz esta integrado por cuatro socias que se dedican a diferentes actividades económicas en la Aldea de Zopilotepe en el municipio de Juticalpa. La coordinadora de este Grupo Solidario se llama Julia Cecilia; se dedica a la venta de ropa de segunda mano, es casada, procreo tres hijas y es una persona muy conocida en la comunidad y cuenta con muy buenas referencia por parte de sus clientes y vecinos.

El primer negocio de Julia Cecilia era una librería pero no le fue bien y decidió dedicarse a otra actividad comercial. En la actualidad se dedica a la venta de ropa usada para mujeres, hombres, niños y niñas, también tiene una maquina fotocopiadora que le genera unos centavos extras. Atiende su negocio ella misma y su jornada inicia a las 7:00 am y culmina a las 8:00 pm. Su mayor ventaja es que no descuida a su familia por su trabajo, ya que comercializa la ropa en su propia casa de habitación y no paga alquiler de ningun local.

Julia Cecilia solicita este préstamo para comprar fardos de ropa usada con estilos veraniegos y así poder llamar la atención de más personas en esta Semana Santa y de ese modo aumentar sus ventas. Esto será de mucho beneficia para ella y su familia.

Su sueño es hacer crecer su negocio y diversificarlo con diferentes líneas de productos. Este es su quinto préstamo en FAMA y espera seguir cumpliendo puntualmente con el compromiso de sus pagos.

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

  • $4,200
    Average annual income
  • 21
    View loans »
    Honduras Loans Fundraising
  • $8,342,850
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A portion of Senderos De Luz Group's $2,950 loan helped a member to purchase bundles of used clothing.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 29, 2012
Listed
Apr 9, 2012
Currency Exchange Loss:
Possible
Ended:
Aug 16, 2012