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Cenia Esmeralda
Cenia is 33 years old, married, and has four children. She lives in a rural village in the municipality of Macuelizo, Santa Barbara.

Cenia has always been a businessperson. Previously she sold general merchandise, and six years ago decided to make dairy products such as cheese, butter, curd and buttermilk. The business has kept going and has a good clientele. She sells the product at restaurants and food stores in the area.

Currently she is applying for her second loan from ODEF, for 7,000 lempiras, and will use it as working capital and to buy the main ingredient, which is cow's milk for making her dairy products and meeting the demand she has.

Her goal is to continue working so that she can fix her house properly, and help her children with their education until they graduate.
View original language description ↓
Cenia, tiene 33 años de edad, casada, tiene 4 hijos, vive en una aldea rural del municipio de Macuelizo, Santa Bárbara. Cenia siempre se ha dedicado al comercio, anteriormente vendía mercadería general y hace 6 años que ha decidido dedicarse a la producción de productos lácteos como la elaboración de queso, mantequilla, cuajada y venta de suero. El negocio se ha mantenido con buena clientela, ella vende el producto en los restaurantes y centros de venta de comida de la zona. Actualmente solicita ya el segundo préstamo a ODEF el cual es por 7,000 Lempiras y lo utilizara para capitalizarse y comprar el insumo principal que es la leche de vaca para elaborar sus productos lácteos y cubrir la demanda que tiene. Su meta es seguir trabajando para poder arreglar bien su casa y ayudar a sus hijos con la educación hasta que se gradúen.

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
  • 78
    View loans »
    Honduras Loans Fundraising
  • $8,669,775
    Funds lent in using Kiva
  • 19.8
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Cenia Esmeralda to buy milk for making dairy products such as cheese, cream and curd to sell.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 15, 2012
Listed
Dec 15, 2012
Currency Exchange Loss:
Possible
Ended:
Nov 17, 2013