Update on Ana JuliaAna Julia, 49, is single with four children; she lives in a village near the city of Puerto Cortes with her oldest daughter.
Ana Julia has always been a merchant. She used to sell all sorts of merchandise and five years ago decided to sell food because it’s profitable. She built a locale onto her house where she sells soft-drinks, snacks and food like chicken with fried banana, fried chops, tacos and others. It has been going very well for her, and there is a good demand for her food.
She has requested various loans that have allowed her business to keep growing. She has managed to have a good credit record with the institution, and this motivates her to continue working.
She is now requesting a concurrent loan with ODEF and Kiva for 6,000 lempiras. She will use the loan to buy a fryer with a larger capacity that works quickly. Then she will serve the food more quickly to her customers.
Her goal continues to be working very hard with her business because she has a good demand. She wants to improve more every day, and she wants to improve her family’s quality of life.
Doña Ana Julia, siempre se ha dedicado al comercio, ella vendía todo tipo de mercadería, y hace 5 años se dedico al negocio de venta de comidas ya que es rentable. Anexado a su casa hizo un local donde vende refrescos, golosinas, comidas como pollo frito con tajadas, chuletas fritas, tacos, y otros. Y le ha ido muy bien tiene buena demanda sus comidas.
Ella ha solicitado varios préstamos lo que ha permitido que su negocio se mantenga en crecimiento. Hasta el momento ha logrado tener un buen record crediticio con la institución y eso le motiva a seguir trabajando.
Actualmente está solicitando un préstamo paralelo a ODEF y a Kiva por 6,000.00 Lempiras para comprar una freidora con más capacidad y rapidez y servir la comida mas rápido a los clientes. Su meta sigue siendo la de trabajar muy duro con su negocio ya que tiene buena demanda y superarse cada día más y mejorar la calidad de vida familiar.
Previous Loan DetailsAna Julia, 49, is single with four children; she lives in a village near the city of Puerto Cortes with her oldest daughter. Ana Julia has always been a merchant. She used to sell all sorts of merchandise and five years ago decided to sell food because it’s profitable. She built a locale onto… More from Ana Julia's previous loan »
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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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Success!! The loan was 100% repaid
- Repayment Term
- 15 months (Additional Information)
- Repayment Schedule
- May 30, 2012
- Jun 24, 2012
- Currency Exchange Loss:
- Apr 18, 2013
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.