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Melba, 58, is a single mother; she has four married children. She lives in a suburban neighborhood in San Pedro Sula. Melba has spent her entire life working to support her family. She’s been working for 20 years making home-baked bread to sell: semitas [rolls], quesadilla con queso [cheese-filled rolls], rosquillas [ring-shaped, crunchy cookies] and tostacas [wafer of the rosquilla dough with a circle of pure sugar cane spread or sprinkled on top before it is finished baking].

She makes her goods very early in an earthen oven and her customers are from her same neighborhood. She’s been an ODEF client for several loans already and is currently requesting one for 7,000 Lempiras to buy ingredients like flour, yeast, eggs, sugar, shortening, milk, cheese, etc. for her bakery.

The loans help her pay cash to her suppliers for her ingredients and to buy at wholesale thus obtaining higher profits. Her dream is to stay in business until she has enough saved up for her old-age.
View original language description ↓
Melba, tiene 58 años de edad, es madre soltera, tiene 4 hijos quienes están casados, vive en una colonia suburbana de San Pedro Sula. Doña melva toda su vida ha trabajado para darle manutención a su familia, lleva 20 años de dedicarse a elaborar y vender pan casero como ser: semitas, quesadilla con queso, rosquillas y tostacas. Ella desde muy temprano prepara sus productos y su horno de tierra. Los clientes son de su misma Colonia. Ya ha sido cliente de ODEF con varios prestamos, actualmente solicito un préstamo por 7,000 Lempiras para comprar insumos que necesita en su panadería como harina, levadura, huevos, azúcar, manteca, leche, queso, etc. para ella los prestamos le ayudan a comprar los insumos de contado a los proveedores y por mayor para obtener mejor ganancias. Su sueño es continuar con el negocio hasta tener un buen ahorro para su vejez.

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
  • 93
    View loans »
    Honduras Loans Fundraising
  • $9,206,150
    Funds lent in using Kiva
  • 19.7
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Melba to buy bread-baking ingredients.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 24, 2012
Oct 11, 2012
Currency Exchange Loss:
Jul 18, 2013