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Jose Heriberto
Heriberto is 47 years old, married, and has five children. His wife tends to the house; they live in the village of Las Piñuelas, Catacamas, Olancho. Heriberto has been working in agriculture for nine years: he started with sweetcorn and black beans, and, with time, became more experienced. He now also grows watermelons. He works all day long. An advantage he has is that when the weather is favourable, the crops grow well. Heriberto asks for a loan because he needs the money to buy manure, urea, and chemical fertilisers, and to hire help. The problems he faces have to do with watering the crops (sometimes there is too much water, which is harmful, and sometimes there is not enough water), fighting parasites, and, when the times come to sell the produce, the risk of a drop in prices. His goal is to make his crops grow and to have a harvest in good condition for selling. Heriberto is in his third cycle with field partner FAMA's loans; he has always been punctual with his repayments and the loans he obtained helped him improve his standard of living.
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Don Heriberto tiene 47 años de edad, es casado y tiene cinco hijos, su esposa se dedica a los quehaceres del hogar, ellos residen en la Aldea las Piñuelas, Catacamas, Olancho. Don Heriberto desde hace nueve años comenzó a trabajar la agricultura e inicio sembrando maíz y frijoles, con el tiempo comenzó a tomar experiencia y en la actualidad también se dedica a cultivar sandia, su horario de trabajo es de todo el día, la ventaja es que cuando el clima esta bien la cosecha se produce bien. El préstamo que solicita don Heriberto lo necesita para invertirlo en la compra de abono, urea, fertilizantes y pago de mano de obra. Los problemas que enfrenta son el riego del cultivo que en algunas ocasiones puede ser mucha agua que dañe el cultivo o falta de agua para el cultivo, las plagas que perjudican el grano y al momento de vender el producto la baja de los precios. Su meta es hacer crecer sus cultivos y que este en buenas condiciones para la venta. Don Heriberto tiene 3 ciclos de trabajar con los préstamos de FAMA y ha cancelado sus cuotas de manera puntual y los préstamos obtenidos le han ayudado a mejorar su condición de vida.

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.

About Honduras

  • $4,200
    Average annual income
  • 27
    View loans »
    Honduras Loans Fundraising
  • $8,199,100
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Jose Heriberto to buy fertiliser and to hire help.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
May 21, 2012
Listed
Jul 3, 2012
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2012