Sonia is 22 years old. She is a member of the "Grupo Solidario 2012" ["2012 Solidarity Group"]. She is married and has two children. Her husband works as a driver. They live in the neighborhood of Subirama, in the city of Bonito Oriental, Colon. Sonia is a very responsible and honest person. She started her business three years ago, and she works selling creams and lotions. She goes out to work every evening, going to the places where her neighbors and friends are, and selling as a mobile vendor. Sonia is requesting this loan to invest in buying creams and lotions so she can stock her business. With the help of this loan, her business will grow, and it will benefit her because she will be able to sell her customers everything they need. One of the inconveniences for her is that she does not have a shop where she can sell her products to her customers. Her dreams are that her business will grow and provide her with more earnings, so that she can help her children get ahead and help her husband with the household expenses. She would also like to have her own store so that she does not have to walk around selling as a mobile vendor. This is the second loan that Sonia is requesting with FAMA, and up to now she has not had any problems with her payments.
Sonia tiene 22 años de edad, es miembro del Grupo Solidario 2012, esta casada y tiene dos hijos, su esposo trabaja de motorista, ellos residen en el Barrio Subirama, de la ciudad de Bonito Oriental, Colon. Ella es una persona muy responsable y honesta, inicio su negocio desde hace tres años y se dedica a la venta de cremas y lociones, ella sale a trabajar donde sus vecinos y amigos todas las tardes y lo hace de forma ambulante. Sonia esta solicitando el préstamo para invertirlo en la compra de cremas y lociones para poder surtir su negocio. Con la ayuda de este préstamo su negocio crecería y le beneficiaria ya que podrá vender a sus clientes todo lo que necesiten. Uno de los inconvenientes es que no tiene un local propio para vender sus productos a sus clientes. Sus sueños es que su negocio pueda crecer y que le provea más ganancias para poder sacar a sus hijos adelante y ayudarle a su esposo con los gastos del hogar, también le gustaría tener su propio local para ya no andar vendiendo de forma ambulante. Sonia es el segundo préstamo que solicita en FAMA y hasta en la actualidad no ha tenido problemas con sus pagos.
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.
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.