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Josefina
Josefina is a 43-year-old single mother with a daughter. She resides in San Juan Pueblo, Cortes.


Doña Josefina has a grocery business that she established 14 years ago. She offers food products such as cornmeal, flour, bread, canned goods, candy, and lard. Josefina also has a shaving machine and manages a business of selling sandals. She says that the loans from ODEF have helped her to stock with products she does not have in order to satisfy the needs of her customers. Josefina begins her work very early in order to serve her customers and generate daily income to help cover a few household needs.


This is her ninth loan in the amount of 10,000 HNL, which will be invested in the purchase of more products such as beans, rice, sugar, soft drinks, meat, and other items so that she can restock her business. By increasing her inventory, her earnings will improve. Her goal is to have the necessary capital to help her daughter graduate from the university.

View original language description ↓
Josefina tiene 43 años de edad, es madre soltera, tiene una hija y reside en San Juan Pueblo, Cortes.
Doña Josefina tiene un negocio de pulpería el cuál estableció hace 14 años. Ofrece productos alimenticios como: maseca, harina, pan, productos enlatados, golosinas, manteca, maquina de afeitar y también a implementado a su negocio la venta de sandalias. Manifiesta que con los financiamientos que odef le ha dado a surtido de productos que no contaba para satisfacer las necesidades de los clientes. Trabaja desde muy temprano para atender a sus clientes y así obtiene a diario los ingresos que le ayudan a solventar algunas necesidades del hogar.
Este es su préstamo numero nueve de 10,000 lempiras el cual invertirá en la compra de mas producto como, frijoles, arroz, azúcar, refrescos, carnes, etc. Para surtir mas su negocio y aumentar el inventario para que sus ganancias sean aun mejores.
La meta que tiene es tener el capital necesario para poder ayudar a su hija a graduarse en la Universidad.

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

  • $4,200
    Average annual income
  • 26
    View loans »
    Honduras Loans Fundraising
  • $8,349,000
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Josefina to buy beans, rice, sugar, soft drinks, meat, and other items.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 13, 2012
Listed
Jun 24, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 19, 2013