Dulce, age 28, is a member of the “Marzo” (March) communal bank. She is the single mother of three children. She and her children live in the Buenos Aires neighborhood of the city of Juticalpa, Olancho.
She has been selling snacks and soft drinks for 15 years. She started when she was very young. Her parents died, and the children were orphaned. Dulce was the oldest sister, and it fell to her to support her younger siblings. She decided to start selling juices and bags of water on the different bus routes. She starts her work day at 7:00 a.m., and she works until 6:00 p.m. Her two children help in the business.
The challenges that Dulce faces are that she sells in an itinerant manner and she has to deal with the changes of climate, and she has to walk, which takes its toll on her children.
One of her dreams is to be able to have her own place so that she does not have sell on foot.
Dulce needs the requested loan to buy soft drinks, candy, groceries, bread, and water, among other things. With the help of the loan she will be able to stock her business well, sell more, and get greater income. The income will help her with the educational, food, and health expenses of her children.
Dulce has been requesting loans from FAMA for over three years. She has been very punctual with her payments.
Dulce tiene 28 años de edad, es miembro del Grupo Solidario Marzo, es madre soltera de 3 hijos, ella y sus hijos residen en la Colonia Buenos Aires, de la Ciudad de Juticalpa, Olancho. Ella se dedica desde hace 15 años a la venta de golosinas y refrescos, comenzó muy pequeña pues sus padres murieron y quedaron huérfanos, Dulce era la hermana mayor y le toco mantener a sus hermanos menores por lo que decidió comenzar a vender jugos y bolsas con agua en las diferentes rutas de buses, ella inicia su horario laboral desde las 7:00 am hasta las 6:00 pm, sus dos hijos le colaboran en el negocio. Las desventajas que a Dulce se le presentan es que las ventas las realiza de forma ambulante y tiene que lidiar con los cambios de clima y tiene que andar maltratando a sus hijos. Uno de sus sueños es poder tener un local propio para ya no tener que andar vendiendo ambulantemente. El préstamo que Dulce solicita lo necesita para invertirlo en la compra de refrescos, dulces, alborotos, pan, agua, entre otros. Con la ayuda de este préstamo podrá surtir bien su negocio, podrá vender más y de esta forma obtener mayores ganancias que le ayuden a los gastos educativos, de alimentación y de salud de sus hijos. Dulce tiene mas de tres años de solicitar prestamos en FAMA y ha sido una cliente muy puntual con sus cuotas.
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.