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Norma Esperanza
Norma, 50, is a single mother; she has three children and lives in a neighborhood in Yoro with one of them. She’s been selling AVON products for 12 years; she sells cosmetics, lotions, shampoo, creams, disinfectants, etc. She sells from place to place and also based on prior orders. She’s requested a 10,000 Lempira loan to buy products from a new line of lotions to sell. Her objective is to stock the business in order to increase income. Her goal is to eventually have a business that’s big and self-sufficient that her children can manage.
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Norma, tiene 50 años de edad, es madre soltera, tiene tres hijos, vive en una colonia de Yoro junto a uno de sus hijos.
Doña Norma lleva 12 años de dedicarse a la venta de productos AVON, vende cosméticos, lociones, champú, cremas, desinfectantes, etc. Su negocio lo realiza de manera ambulante y por pedidos. Ella ha solicitado un préstamo por 10,000 Lempiras para comprar producto nuevo de una línea nueva de lociones para vender. Su objetivo es surtir el negocio para incrementar los ingresos. Su meta es llegar a tener un negocio grande que sea auto sostenible y que sus hijos lo puedan administrar.

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
  • $9,175,850
    Funds lent in using Kiva
  • 19.9
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Norma Esperanza to buy a new line of lotions to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 18, 2013
Feb 26, 2013
Currency Exchange Loss:
Sep 17, 2013