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Ruth Johana
Ruth, 24, is married and has two children and lives in the city of San Pedro Sula. From a very young age Ruth has liked beauty activities. She acquired a locale 8 years ago where she offers barber services; haircuts in general and the sale of cosmetics.

She’s been an ODEF client for three loan cycles including the present one. She will use it to buy tools like brushes, combs and scissors and also to buy cosmetics, shampoo, creams and hair color to sell. This investment will help her have products on hand to sell and meet customer demand. Her goal is to develop the business further in order to earn income for her family’s daily sustenance and to feel fulfilled in her dream.
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Ruth, tiene 24 años de edad, casada, con dos hijos y vive en el municipio de San Pedro Sula. Ruth desde muy joven le gusto realizar actividades de belleza, lleva 8 años de haber conseguido un local donde brinda el servicio de barbería, corte de pelo en general y venta de cosméticos. Ella ha sido cliente de ODEF en tres ciclos de préstamos con el actual, el cual lo utilizara para comprar herramientas como cepillos, peines, tijeras y para comprar cosméticos, champú, cremas, tintes para la venta. Esta inversión le ayudara a mantener producto para vender y para satisfacer a los clientes. Su meta es desarrollar más el negocio para obtener ingresos para el sustento diario de la familia y para sentirse realizada con su sueño.

Additional Information

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.

About Honduras

  • $4,800
    Average annual income
  • 87
    View loans »
    Honduras Loans Fundraising
  • $8,845,600
    Funds lent in using Kiva
  • 19.6
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Ruth Johana to buy tools and supplies.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 24, 2012
Oct 8, 2012
Currency Exchange Loss:
May 17, 2013