Mariela is 26 years old. She is a member of the Celeste Solidarity Group. She is married and the mother of 2 children. Her husband works growing coffee. They are hard-working, honest and responsible people. They live in the community of La Unión, Olancho. For the past five years, Mariela has worked selling used clothing, a profession she learned through her own efforts. She serves her customers from 8:00 a.m. to 6:00 p.m. Mariela needs the loan she is requesting to invest in buying bales of clothing with styles that are in fashion, so that they will be attractive to her customers, and thus she can increase her sales. Mariela's economic life has gradually changed since she began receiving support through FAMA's loans. Her goal is to improve her business and teach her children how to do honest work, which is the best inheritance she can give them. This is the sixth loan that Mariela has requested with FAMA, and up to now she has always been punctual with her loan payments.
Mariela tiene 26 años de edad, es miembro del Grupo Solidario Celeste, es casada y madre de 2 hijos, su esposo se dedica a la actividad del cultivo de café, son personas luchadoras, honestas y responsables, ellos residen en la Comunidad de La Unión, Olancho. Ella desde hace cinco años se dedica a la venta de ropa usada, oficio que aprendió por sus propios esfuerzos, su horario de atención es de 8:00 am a 6:00 pm. El préstamo que Mariela solicita lo necesita para invertirlo en la compra de fardos de ropa con estilos que estén a la moda para así poder llamar la atención de sus clientes y que de este modo pueda aumentar sus ventas. La vida económica de Mariela ha cambiado grandemente desde que recibe el apoyo de los préstamos de FAMA. Su meta es mejorar el negocio y enseñarles a sus hijos a trabajar de forma honesta, ya que es la mejor herencia que puede dejarles. Este es el sexto crédito que Mariela solicita en FAMA y hasta el momento ha pagado puntualmente sus cuotas.
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.