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Jose Efrain
José is 68 years old. He lives in a village that is part of Baracoa, in Cortés department, together with his wife and his three children. José has been a farmer his entire life, and has been growing plantain and African palm for around 35 years.

He produces plantain, as well as palm fruit, which is used to extract vegetable oil. He sells his plantain in the local markets, and sells the palm fruit to the collection centers in the area.

The loan he is applying for is his fifth, and he will use it to buy fertilizers and agricultural supplies, in order to maintain and assist his crops. His aim is to improve the growth of his plantation and increase output.

His goal is to expand his palm cultivation, so that he can earn greater income and improve his quality of life.
View original language description ↓
Don Jose tiene 68 años de edad, vive en una aldea que pertenece a Baracoa, Cortes junto a su esposa y sus tres hijos. El señor Jose en toda su vida ha sido agricultor, tiene aproximadamente 35 años de dedicarse a los cultivos de plátano y cultivo de palma africana. La producción es de plátano y fruta de palma que sirve para sacar el aceite vegetal. La producción de plátano la vende en los mercados locales y la fruta de palma la vende en los centros de acopio de la zona. El préstamo que solicita es el quinto ciclo y lo invertirá en la compra de fertilizantes e insumos para darle mantenimiento y asistencia a sus cultivos con el fin de mejorar el desarrollo de la plantación y aumentar la producción. Tiene como meta ampliar sus cultivos de palma para obtener mayores ingresos y mejorar su calidad de vida.

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
  • 27
    View loans »
    Honduras Loans Fundraising
  • $8,936,725
    Funds lent in using Kiva
  • 19.7
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Jose Efrain to buy fertilizers and agricultural supplies for maintaining his plantain and African palm plantation.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 16, 2012
Oct 24, 2012
Currency Exchange Loss:
Sep 17, 2013