Dilcia is 29 years old and she is a member of Grupo Solidaridad [Solidarity Group]. She is married and has 2 children. Her husband is a builder.
Dilcia started her business selling underwear two years ago. Her business arose from necessity: she was let go at the company where she worked and so she had to find a way of earning some money for her family. One the difficulties she is having is not being able to sell her products in other communities because she does not have a bike or a car and feels public transport is too dangerous due to armed attacks.
Dilicia needs the loan so she can invest in the purchase of more underwear. With the help of this loan she can buy more stock for her business and so attract more clients. Her main aim is to see her children graduate and her biggest dream is to find a spacious place in the city for her business where she can offer her cstomers a variety of styles of garments.
This is the first time Dilicia has asked for a loan through FAMA and she hopes to pay her installments on time.
Dilcia tiene 29 años de edad, es miembro del Grupo Solidaridad, es casada y tiene 2 hijos, su esposo se dedica a la albañilería. Ella inicio su negocio desde hace dos años y se dedica a la venta de ropa interior, el cual surgió a la necesidad de tener un empleo ya que anteriormente a Dilcia la despidieron por lo que tuvo que buscar una fuente de ingreso para su hogar. Una de las dificultades que se le presentan es que no puede salir a vender a otras comunidades ya que no tiene una bicicleta ni carro y el medio de transporte público le resulta muy peligroso por los asaltantes. El préstamo que Dilcia solicita lo necesita para invertirlo en la compra de ropa interior. Con la ayuda de este préstamo ella podrá surtir su negocio con mercadería y así atraer más clientes. Su principal propósito es ver graduados a sus hijos, su mayor sueño es establecer su negocio en un local amplio y en la ciudad donde pueda ofrecer a sus clientes prendas de diferentes estilos. Es el primer financiamiento que Dilcia solicita en FAMA y espera cancelar 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.