San Francisco S. B. Group
She makes sweet rolls, quesadillas, milk cakes, cookies and other baked goods. She sells this product in the community, and it has been a profitable business. In the future, she hopes to succeed in having a bakery.
Currently she is requesting a second loan from ODEF, as part of a group loan. The group is called "San Francisco" and is made up of three members. Rosa is seen in the photo, on the right, wearing an apron. On the left is Juana, in a white blouse, and Maria in a blouse with red and white stripes. The three of them make bread and live in the same community.
The group loan is for 25,000 lempiras, and they're going to use it to buy ingredients such as flour, lard, sugar, eggs, milk, yeast, margarine and vanilla, with the aim of increasing their output and earnings.
Ella siempre se a dedicado al comercio, anteriormente vendía mercadería de ropa y hace 3 años se dedico a la elaboración de pan casero. Ella hace pan de semitas, quesadillas, torta de leche, salporas y otros. Este producto lo vende en la comunidad, ha sido un negocio rentable. Y espera a futuro llegar a tener una panadería.
Actualmente esta solicitando un segundo préstamo a ODEF, en forma grupal. El grupo se denomina San Francisco S.B. y esta formado por tres integrantes, en la foto esta Rosa a la derecha con delantal, a la izquierda doña Juana de blusa blanco y doña María de blusa rayada roja con blanco. Las tres se dedican a la elaboración de pan y viven en al misma comunidad.
El préstamo grupal es por 25,000 lempiras y lo van a invertir en la compra de insumos como harina, manteca, azúcar, huevos, leche, levadura, margarina y vainilla, con el objetivo de incrementar la producción y las ganancias.
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.
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.
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