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Bernarda Lourdes
Bernarda, 60, is single due to widowhood. She has three children who are 36, 32 and 31 years old who are all now independent and work and contribute to the household. She lives in a neighborhood in San Pedro Sula, Cortes.

For the last five years Bernarda has been in business selling tamales. She relates that since her childhood her mother taught her to work and she decided to establish it. Bernarda sells the tamales in an ambulatory fashion in the neighborhood and adjacent neighborhoods. She also carries out another ability making manual crafts and sets of blankets as an extra source of household income. She states that with this business she’s been able to get ahead working every day starting very early.

She asked ODEF for a 6000 lempira loan to buy ingredients to make tamales and part of it to buy fabric. Her plan for the future is to continue working independently and that her business is able to grow so that she can earn the necessary income to repay the loans ODEF has granted her.
View original language description ↓
Bernarda tiene 60 años de edad, es soltera por viudez, tiene 3 hijos de 36, 32 y 31 años de edad los cuales ya son independientes y trabajan y aportan en el hogar, vive en una Colonia de San Pedro Sula, Cortes.
Doña Bernarda hace 5 años se dedica al negocio de venta de tamales. Ella cuenta que desde niña su Madre le enseño a trabajar y decidió establecerlo. Doña Bernarda vende los tamales de manera ambulante en los alrededores de las colonias vecina. También ejerce otra habilidad haciendo trabajos de manualidades y juegos de mantas como otro ingreso extra para el hogar. Manifiesta que con este negocio ha podido salir adelante trabajando todos los días desde muy temprano.
Solicito un préstamo con ODEF de 6,000 lempiras para comprar insumos para la elaboración de los tamales y otra parte para comprar telas para hacer los manteles para vender. Y así podrá mantener la clientela como hasta ahora lo ha hecho.
Su plan en el futuro es seguir trabajando independientemente y que su negocio pueda crecer. Para obtener los ingresos necesarios para pagar los prestamos que ODEF le ha proporcionado

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
  • 86
    View loans »
    Honduras Loans Fundraising
  • $9,205,075
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Bernarda Lourdes to buy ingredients to make tamales and to buy fabric to make tablecloths and napkins to sell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 23, 2012
Apr 16, 2012
Currency Exchange Loss:
Nov 15, 2012