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Senia Mercedes
Senia, 39, is a single mother; she has six children and lives in a village in the municipality of San Nicolás, Santa Bárbara with her mother and children. She has 16 years’ experience making home-made bread: cheese pound cake, doughnuts, cookies, cakes, etc. What she makes she sells in her community to grocery stores and to individuals. This business has been her source of income for family support and she’s kept it going by means of several loans. She’s been a client for 14 cycles including the present one. This loan request is for 10,000 Lempiras that she will use to buy raw materials like flour, sugar, eggs, shortening, margarine, milk, yeast and other ingredients needed to make bread. She’s used the loans to maintain her sales and production levels as well as to retain her customers. Her goal is to continue working in her business to earn income and to provide her children with the necessary schooling.
View original language description ↓
Senia tiene 39 años de edad, es madre soltera, tiene 6 hijos y vive en una aldea del municipio de San Nicolás, Santa Bárbara junto a su madre e hijos.
Ella tiene 16 años de experiencia en la elaboración de variedad de pan casero, como ser: quesadillas, rosquillas, galletas, tortas, etc. la producción que saca la vende en su comunidad a pulperías y personas particulares. Este negocio ha sido su fuente de ingresos para la manutención familiar, el cual lo ha mantenido activo mediante varios prestamos, ha sido cliente por 14 ciclos con el actual. Este préstamo que solicita es por 10,000 Lempiras y lo va invertir en la materia prima como harina, azúcar, huevos, manteca, margarina, leche, levadura y otros insumos que necesita para la elaboración de pan. Con los préstamos ella ha mantenido el nivel de ventas y la producción, así mismo a su clientela. Su meta es seguir trabajando en su negocio para obtener ingresos y darles la educación necesaria a sus hijos.

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
  • 89
    View loans »
    Honduras Loans Fundraising
  • $8,676,100
    Funds lent in using Kiva
  • 19.8
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Senia Mercedes to buy flour, eggs, shortening, cheese, sugar, margarine, milk, yeast and other ingredients.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 12, 2012
Listed
Nov 22, 2012
Currency Exchange Loss:
Possible
Ended:
Jun 18, 2013