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Karla Janina
Karla, age 32, is a single mother. She lives with her parents and her two children in a neighborhood in the city of Olanchito.

She has been selling used clothes for three years. She rents a place, and has been able to manage that thanks to the institution.

She is requesting her third loan for 20,000 lempiras. She will use the loan to increase her inventory and her income. She will buy seasonal used clothes in bulk in order to stock up. She already has good clientele, and she is located in a strategic spot for sales.

In the future she would like to build her own place, have her business grow, and have the business generate good income for her.
View original language description ↓
Karla tiene 32 años de edad, es madre soltera y vive con sus padres y sus dos hijos en un barrio de la ciudad de Olanchito, Yoro. Ella se dedica a la venta de ropa usada desde hace 3 años, alquila un local que gracias a la Institución ha podido lograr. Esta solicitando el tercer préstamo que es por 20,000.00 Lempiras, con el cual espera aumentar su inventario y sus ingresos ya que va comprar fardos de ropa usada de temporada para surtir. Ya tiene buena clientela y está ubicado en lugar estratégico de venta. En un futuro le gustaría construir su propio local y que su negocio crezca y que le genere buenos ingresos.

Additional Information

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.

About Honduras

  • $4,800
    Average annual income
  • 82
    View loans »
    Honduras Loans Fundraising
  • $8,803,075
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Karla Janina to buy second hand clothes in bulk in order to stock her business.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 31, 2012
Jun 15, 2012
Currency Exchange Loss:
Jul 18, 2013