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Senderos De Paz Group
In this Group: Marlen Esperanza, Eda Cristina, Justa
The solidarity group Senderos de Paz has three members who work in different economic activities in the village of San Nicolás, Juticalpa, Olancho.

The group coordinator is Marlen, who is 37 years old, and married with three children. Her husband works in the United States. It is a hardworking and honest family.

Marlen began selling a few grocery store products and realized that the earnings were very good and so she decided to set up a little grocery store in her home that she attends to from 6:00 AM until 9:00 PM. The advantage is that she has very good profits in the business and it allows her to support her family and educate her children.

She is asking for a loan in order to put in balconies and to paint her house. With the help of the loan, she will have better security for her house because she will put in the balconies.

Marlen currently has no financial status problems but in some seasons the sales are low and therefore her sales. Her goal is for her business to remain stable in order to be able to go on supporting her family. She has more than 15 cycles with FAMA and is very grateful for the help she has received.
View original language description ↓
El Grupo Solidario Senderos de Paz está integrado por tres socias, las cuales realizan diferentes actividades económicas en la Aldea de San Nicolás, Juticalpa, Olancho. La coordinadora del grupo es la señora Marlen, ella tiene 37 años de edad, es casada y tiene tres hijos, su esposo trabaja en los E.U.A. es una familia muy trabajadora y honrada. Marlen inició vendiendo unos cuantos productos de abarrotería y se dio cuenta de que las ganancias eran muy buenas así que decidió instalar una pequeña pulpería en su casa de habitación que atiende ella misma desde las 6:00 am hasta las 9:00 pm. La ventaja es que tiene muy buenas ganancias en su negocio, y le da para sostener a su familia y educar a sus hijos. Ella solicita el préstamo para comprar unos balcones y pintar su casa. Con el apoyo del préstamo tendrá mayor seguridad en su hogar ya que pondrá los balcones. La señora Marlen actualmente no enfrenta ningún problema de salud pero en algunas temporadas las ventas bajan y sus ganancias también. Su meta es que las ventas en su negocio se mantengan estables para poder llevar el sustento a su familia. Ella tiene más de quince ciclos en FAMA y está muy agradecida con el apoyo que ha recibido.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Honduras

  • $4,800
    Average annual income
  • 80
    View loans »
    Honduras Loans Fundraising
  • $9,175,850
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A portion of Senderos De Paz Group's $3,150 loan helped a member to make improvements to her housing.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 8, 2012
Apr 17, 2012
Currency Exchange Loss:
Sep 28, 2013