Brisas De Malguara Group
María Eugenia grew up in a farming family, and for more than six years she has grown her own crops – corn, beans and potatoes. As this is her only source of income she wants to maintain her crops and help them grow. She sells her produce in the local market. She has requested her first ODEF loan of 7,000.00 Honduran lempiras to buy potato seeds and fertilizer, as well as to pay labor expenses and costs to prepare the land where she grows her crops. With this investment she hopes to grow better produce and increase her family’s income.
María Eugenia is part of the Brisas de Malguara solidarity group, which has four members. Only three members are in the photo: María is on the left, Fernando is in the middle and Jose de la Cruz is on the right. They all live in the same community and work in agriculture. They have asked for a group loan of 19,000.00 Honduran lempiras.
María Eugenia a crecido con familia agricultora, y ella lleva más de 6 años de realizar sus propios cultivos, siembra maíz, frijoles y papas. Siendo esta su única fuente de ingresos se ha propuesto a darle un buen mantenimiento y asistencia a sus cultivos. La producción la vende en el mercado local. Esta solicitando su primer préstamo a ODEF por 7,000.00 Lempiras con el fin de comprar semilla de papa, abonos, va pagar mano de obra y para gastos de limpieza de la tierra donde cultiva. Con esta inversión espera sacar mejor producción e incrementar el nivel de ingresos para su familia.
Ella pertenece al G.S. Brisas de Malguara, formado por 4 integrantes, y solo 3 de ellos aparecen en la foto identificándose así: a la izquierda es maría, en medio es Fernando y a la derecha es Jose de la Cruz, todos viven en la misma comunidad y se dedican a la agricultura, el préstamo que solicitan es por Lps.19,000.00 grupal.
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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