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Ruben, age 29, lives with his wife and child in a neighborhood in the Choloma Cortes municipality. Ruben has had his own business for three and a half years. He sells dairy products like cheese, butter, and ‘quesillo’ [similar to farmer’s cheese].

He used to work in a factory, but he decided it would be better to have his own business. He sells in an itinerant manner. He goes out to the community and surrounding areas to sell.

He has decided to get a loan for 6,500 lempiras in order to stock his business with dairy products. The loan will help him to buy for cash and be able to save some. His goal is to make his business grow in order to help his family and to get ahead.
View original language description ↓
Ruben, tiene 29 años de edad, vive en una colonia que pertenece al municipio de Choloma Cortes, junto a su esposa y su hijo. Ruben tiene su propio negocio desde hace 3 años y medio. El vende productos lácteos como ser: queso, mantequilla y quesillo. Anteriormente trabajaba en una maquila pero decidió mejor por tener su propio negocio. La venta la realiza de manera ambulante, sale a vender en la comunidad y a sus alrededores. Ha decidido obtener un préstamo de 6,500 lempiras para surtir el negocio de productos lacteos. El préstamo le ayudara a comprar de contado y poder ahorrar algo. Su meta es hacer crecer el negocio para ayudar a su familia y salir adelante.

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
  • 82
    View loans »
    Honduras Loans Fundraising
  • $8,845,600
    Funds lent in using Kiva
  • 19.9
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Ruben to buy dairy products like cheese, butter, and ‘quesillo’ [similar to farmer’s cheese].
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 11, 2013
Feb 13, 2013
Currency Exchange Loss:
Sep 17, 2013