Ana is 41 years old and is a member of the Nuevo Amanecer (“New Dawn”) group. She is married and has four children. It is a very united and hard-working family. Thirty years ago Ana opened a general store. It was difficult for her since she did not have any capital or experience. She works in the general store with the support of her husband and help of her two daughters. The store opens at 6am and closes at 10pm and on the weekends they sell wholesale. The advantage for Ana is that the business provides her with what she needs to support the family and pay the bills. It also allows her to pay for the education of and look after the health of all of the family. The business helps the neighbourhood by selling essential items.
She is asking for a loan to buy rice, sugar, butter, soap, soft drinks, churros and sweets amongst other things. With the help of this loan she will be able to obtain resources at low cost and make the right investment. Her goal is to continue increasing her stock and increase the size of the store. She has been supported by FAMA for over 10 years and has made her loan repayments punctually.
Ana tiene 41 años de edad, es miembro del Grupo Solidario Nuevo Amanecer, es casada y tiene 4 hijos, es una familia muy unida y trabajadora. Ana desde hace 30 años comenzó con una pulpería, le costo ya que no tenia mucho capital ni la experiencia para realizarlo, trabaja en la pulpería apoyada por su esposo y la colaboración de dos de sus hijas, apertura el negocio a las 6:00 a.m. y cierra a las 10:00 p.m. y los fines de semana vende en el mayoreo. La ventaja de Ana es que el negocio le produce utilidades para el sostén familiar y pagar los compromisos, aparte que me permite educar y brindar salud cuando lo requiere toda la familia, además de poder servir a los vecinos vendiéndoles productos de primera necesidad. El préstamo que solicita lo necesita para la compra de arroz, azúcar, manteca, jabón, refrescos, churros, dulces, entre otros. Con la ayuda de este préstamo le facilitara el poder contar con recursos a bajos costos y hacer la inversión oportuna. Sus metas es avanzar en el aumento del inventario y hacer más grande el espacio físico de la pulpería. Ha recibido el apoyo de FAMA desde hace 10 años y ha cancelado sus cuotas de forma puntual.
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.