Luz Del Mundo Group
Doris has had her own business for five years; she sells banana leaves and "encurtidos" (vegetables in vinegar and hot chili used as a side dish with meals). This business is her only source of income to support her family.
This is her third loan requested and it's for 12000 lempiras that she'll use to buy supplies to make the encurtidos such as vegetables, spices, vinegar, salt and others; she will also buy banana leaves to sell. These leaves are used to make nacatamales [Nicaraguan-style tamales]. Her plan is to continue working to move her children forward.
She belongs to a group that's called "Luz del Mundo" (Light of the World) that has three members including her. In the photo, She's on the left. Estela is in the middle and she has a grocery store and Yeny is on the right and she has a sewing workshop. The three of them live in the same community and they are asking for a loan totaling 40000 lempiras.
Doris tiene 5 años de dedicarse a su propio negocio de venta de hojas de banano y encurtidos (vegetales en vinagre y chile picante, sirve de complemento con las comidas), este negocio es su única fuente de ingresos de donde logra mantener a su familia. Es su tercer préstamo solicitado y es por 12,000.00 Lempiras, con el cual va comprar los insumos para elaborar encurtidos como ser: vegetales, especies, vinagre, sal y otros, y va comprar hojas de banano para vender, estas hojas las utilizan para hacer nacatamales. Su plan es seguir trabajando para sacar adelante a sus hijos.
pertenece a un grupo solidario que se llama Luz del Mundo, formado por 3 integrantes incluyéndola a ella, en la foto se identifica al lado izquierdo, en medio esta doña Estela, quien tiene negocio de una pulpería y Yeny a la derecha quien tiene taller de costura. Las tres viven en la misma comunidad, quienes solicitan un préstamo total de 40,000.00 Lempiras.
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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