Ojo De Agua Group
Isidora is a very active woman who is well-known in her community; she organizes work groups. She’s been working in agriculture for 12 years with her husband; they mainly grow coffee. She sells the coffee beans and also processes it and sells it ground and packaged to businesses or grocery stores.
She has asked ODEF for several previous loans for her business and is currently asking for her 9th loan in the amount of 10,000 lempiras to buy fertilizer and manure for coffee crop maintenance and also to pay labor costs to clear the fields since this is her source of income and they need to keep it well cared for. Her objective in continuing to work is to improve her and her family’s standard of living.
She belongs to the “Ojo de Agua” communal bank that has four members who grow coffee and live in the same community. In the photo they can be identified thus: to the left is Carlos followed by Isidora then María and on the right is Carlos Antonio. At the group level, they are requesting 37,000 lempiras.
Isidora es una mujer muy activa y reconocida en la comunidad forma grupos para trabajar, ella tiene 12 años de realizar actividades agrícolas junto a su esposo principalmente al cultivo de café. Vende café en grano y también lo procesa, lo vende molido y empacado a los negocios o pulperías.
ya ha solicitado varios prestamos anteriormente a ODEF para su negocio, actualmente solicita el noveno préstamo por LPs.10,000.00, con el cual va comprar fertilizantes y abonos para darle mantenimiento a su cultivo de café y también para pago de mano de obra por limpieza de la misma, ya que es su fuente de ingresos y necesitan mantenerla bien cuidada.
Su objetivo de seguir trabajando es para mejorar el nivel de vida tanto personal como familiar.
Ella forma parte de grupo solidario Ojo de Agua, que está formado por 4 integrantes que se dedican al cultivo de café y viven en la misma comunidad. en la foto se identifican así: a la izquierda el Sr. Claros, seguido Isidora, luego María y a la derecha Claros Antonio. A nivel grupal solicitan LPS. 37,000.00.
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.
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.
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