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Carlota
43-year-old Carlota is a determined housewife, entrepreneur and farmer. She is married and has four adult children who no longer live under her roof. Carlota was unable to attend school owing to a lack of financial support from her parents who had little money. Carlota learned how to grow coffee at a very young age from her parents, who have spent their whole lives farming. Together with her husband, Carlota has been in this business for more than 20 years. Her coffee crops are located 3 kilometers from her home and she travels there every day on foot. However, the land on which she grows the crops does not belong to her so she must share the profits she makes with the land owner. The maintenance and technical support required by the crops is the responsibility of her family and Carlota works together with her children who help her to cut, prune, spread manure and fertilize. The produce is then sold in the local market. It is bought by local consumers. However, some is also sold to third parties who re-sell it.

Carlota currently needs help so that she can buy certified plants and seeds to grow. In this way, she will be able to improve her crops and increase the number of plants that she grows. She will make more income from this new harvest and will be able to continue growing. Her goal is to acquire new plants and seeds so that she can improve her crops. Her dream is to buy a plot of land so that she can own her own fields. She hopes they will be the best in the area and will make her enough income so that, over time, she will have her own capital and be able to keep all her profits.
View original language description ↓
Carlota es una mujer de 43 años de edad ama de casa, luchadora, emprendedora y también agricultora, casada, con 4 hijos adultos los cuales viven apartado del techo de sus padres. Ella no tiene ningún grado de educación no pudo estudiar por falta de apoyo económico por parte de sus padres ya que ellos son de bajos recursos. La actividad del cultivo y siembra de café la aprendió desde muy pequeña fueron sus padres los que le enseñaron dicha actividad dedicados desde toda una vida a la agricultura la cual es medio de ingresos para ellos como adultos y en compañía de su esposo ejerce esta actividad hace mas de 20 años. Sus cultivos de café están ubicados a una distancia de 3 kilómetros de su casa de habitación al cual se trasladan a pie diariamente pero el terreno no es propio por lo cual dividen las ganancias con el propietario. El mantenimiento y asistencia técnica se lo dan en familia en compañía de sus hijos que ayudan al corte, poda, abono y fertilización del mismo. Su producto es vendido en el mercado local el cual los consumidores de la zona compran y lo venden como también es adquirido por los intermediarios para su venta.

Actualmente solicita ayuda para la compra de plantas y semillas certificadas para la plantación del mismo ya que de esa forma ella mejorara sus cultivos y ara crecer la plantación para esta nueva cosecha obtendrá mas ingresos y podrá seguir cultivando.

Su meta es adquirir nuevas plantas y semillas para poder cultivarlas y de esa forma mejorar su plantación ya que su sueño es poder comprar un terreno y tener sus propias plantaciones que estas sean las mejores de la zona y puedan generar ingresos para que con el tiempo ella pueda tener un capital propio y las ganancias sean netas.

Additional Information

More information about this loan

These loans are designed for female farmers who produce a variety of products (onion, garlic, eggplant, spinach, mango, strawberries, etc.). Loan terms will vary depending on need, and borrowers can choose to make a "bullet" payment timed with harvest profits. Agricultural loans are considered risky in Honduras due to external forces like unpredictable weather and worldwide crop prices. As a result, many traditional financial institutions are unwilling to offer these loans. With Kiva funding, COMIXMUL will be able to reach more borrowers with agricultural loans tailored to their needs.

About Honduras

  • $4,200
    Average annual income
  • 18
    View loans »
    Honduras Loans Fundraising
  • $8,225,225
    Funds lent in using Kiva
  • 19.7
    Honduras Lempiras (HNL) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,275 helped Carlota to buy certified coffee plants and seeds.
0% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Mar 14, 2013
Listed
Mar 20, 2013
Currency Exchange Loss:
Possible