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Las Llaves Del Exito Group
In this Group: Iris Yolanda , Delmis Macaria , Marta Antonia , Maria Concepcion , Raquel, Guilda Argentina , Maria Norberta
Delmis, 37, is a member of the “Las Llaves del Éxito” (The Keys to Success) communal bank. She has four children and her husband’s a carpenter. They live in the community of Llaves in the municipality of Juticalpa, Olancho.

Delmis is a seamstress. She learned in a dressmaking academy and then decided to buy a machine to make outfits in various styles. She’s had her own sewing business for the last seven years and she works from 8am until 6pm. During the Christmas season, the start of the school year and during Independence she does not stick to a set schedule because work is abundant and she can barely keep up with it.

Her advantage is that she has a good clientele and her disadvantage is that she sells on credit and sometimes she’s not paid. The loan Delmis is asking for will be used to buy fabric, lining, decorations, elastic, thread, buttons, zippers, etc.

With help from this loan she will be able to offer her customers a greater variety of fabric and with this she hopes her income will improve to be able to help cover her children’s schooling costs. Her goal is to be able to have a larger workshop that will generate higher profits. Delmis has been a FAMA client for ten years and has made her installment payments punctually.
View original language description ↓
Delmis tiene 37 años de edad, es miembro del Grupo Solidario Las Llaves del Éxito, tiene 4 hijos, su esposo se dedica a la carpintería, ellos residen en la comunidad de las Llaves, Municipio de Juticalpa, Olancho. Delmis se dedica a la costura, ella aprendió en una academia de confección de ropa y luego decidió comprar una maquina para confeccionar trajes de diferentes estilos, desde hace siete años tiene su propio negocio de costura y su horario de atención es desde las 8:00 am hasta las 6:00 pm, cuando es en temporada navideña, escolar y de independencia no tiene horario ya que el trabajo es abundante y no se da abasto. La ventaja es que tiene buena clientela y la desventaja es que da al crédito y en algunas ocasiones no le pagan. El préstamo que Delmis solicita lo invertirá en la compra de telas, entretelas, adornos, elásticos, hilos, botones, zippers, etc. Con la ayuda de este préstamo podrá ofrecer a sus clientes y clientas mayor variedad de telas y con esto espera que sus ingresos mejoren para poder ayudar a sus hijos a cubrir los gastos estudiantiles. Su meta es poder tener un taller de costura mas amplio y que este le pueda generar mayores ganancias. Delmis es clienta de FAMA desde hace diez años y ha cancelado sus cuotas de forma puntual.

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
  • 23
    View loans »
    Honduras Loans Fundraising
  • $8,480,275
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Llaves Del Exito Group's $575 loan helped a member to buy sewing supplies.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 31, 2012
Listed
Jun 1, 2012
Currency Exchange Loss:
Possible
Ended:
Nov 15, 2012