Julissa, 29, is a member of the “Clavel” (Carnation) communal bank; she’s married and her husband is a merchant. They are a hardworking, responsible family. She started her business selling snacks and juices and then decided to sell food and the business had good results so she still is selling grilled meat and snacks. She’s open to the public from 4pm until 10pm. The loan Julissa is requesting is to buy products like meat, beans, lard, vegetables and cheese to make the food she offers her customers. With support from the loan she will be able to offer more products to her clientele. The only inconvenience Julissa faces is competition since there’s another place nearby that sells snacks which is why she tries to sell top quality products so her sales won’t be affected. Her goal is to open a restaurant to better care for her customers and offer more products that will satisfy their wishes. This is Julissa’s first loan request to FAMA and she expects to make her installment payments punctually.
Julissa tiene 29 años de edad, es miembro del Grupo Solidario Clavel, es casada y tiene 3 hijos, su esposo es comerciante, son una familia muy luchadora y responsable. Ella inicio su negocio vendiendo golosinas y jugos, luego decidió vender comida y el negocio le resulto por lo que en la actualidad se dedica a la venta de carne asada y golosinas, su horario de atención es de 4:00 pm a 10:00 pm. El préstamo que solicita Julissa lo invertirá en la compra de productos como ser: carnes, frijoles, manteca, vegetales, queso, que es para elaborar la comida que ofrece a sus clientes. Con el apoyo de este préstamo podrá ofrecer más producto a su clientela. El único inconveniente que se le presenta a Julissa es la competencia ya que hay un lugar cerca donde venden golosinas por lo que ella busca vender su producto de calidad para que no le afecte en sus ventas. Su meta es establecer un restaurante para atender mejor a sus clientes y ofrecer mas productos que satisfagan los deseos de su clientela. Es el primer financiamiento que Julissa 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.