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Concepcion
Concepción is a 47-year-old woman. She's married and the mother of five children, who make a living growing coffee together as a family. She didn't finish primary school, though she went through fifth grade with a lot of effort and sacrifice. She lacked the financial help to continue because her parents had a low income level and had to use their cash input to buy food to support the family.

It was her parents who taught her how to grow coffee more than 30 years ago, which she continues doing up to the present. It's the only income and means of support for her family. Her husband acquired the land they cultivate from a family inheritance, and it has been fruitful for them. The land is located 100 meters away, and they go there every day to maintain and weed it, which allows them to keep their crop free of weeds. They sell their crop through various intermediaries who come to the community to acquire it.

Currently she's requesting help to buy fertilizer and manure for her coffee crop so she can keep it free of pests and diseases that destroy entire crops if not treated in time.

Her dream is to expand her crop to generate more income so she can continue investing in coffee production. One of her greatest challenges is the constant increase and rise in prices of the very supplies that are a big help in guaranteeing a 100% crop. This will allow her to give her children a better education and improve their standard of living.
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Concepción es una mujer de 47 años de edad casada y madre de 5 hijos los cuales juntos en familia se dedican a la siembra y cultivo de café. Ella tiene un grado de educación de primaria no completado el cual pudo cursar con mucho esfuerzo y sacrificio hasta el 5 grado y no pudo continuar por falta de ayuda económica ya que sus padres son de bajos recursos económicos por lo cual las entradas de efectivo las distribuían realizando la compra de los alimentos para el sustento de su familia. Fueron ellos los que le enseñaron el cultivo y siembra de café hace mas de 30 años y que hasta hoy en día sigue practicando dicha actividad la cual es el único medio de ingreso y sustento para su familia. El terreno que ellos cultiva lo adquirió el esposo por medio de una herencia familiar la cual les ha dado mucho fruto y esta ubicado a una distancia de 100 metros al cual se trasladan diariamente para darle mantenimiento y asistencia esto les permite mantener muy limpio sus cultivos. Su producto es comercializado y vendido por los diferentes intermediarios que llegan a la comunidad para su adquisición.

Actualmente ella solicita ayuda para la compra de fertilizante y abono para sus cultivo de café el cuales les permitirá mantener limpio de plagas y de enfermedades las cuales destruyen cultivos completos de no ser tratados a tiempo.

Su sueño es seguir aumentando su cultivó para de esa manera generar mas ingresos que le permitan seguir invirtiendo en su producción de café ya que uno de los mas grandes desafíos es el constante aumento y el alza de los precios de los insumos mismos que son de gran ayuda para que la producción se pueda aprovechar en un 100% esto permitirá darle una mejor educación a sus hijos y mejorar su nivel de vida.

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
  • 56
    View loans »
    Honduras Loans Fundraising
  • $8,366,000
    Funds lent in using Kiva
  • 19.7
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,325 helped Concepcion to buy fertilizer and manure for her coffee crop.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Mar 22, 2013
Listed
Mar 25, 2013
Currency Exchange Loss:
Possible
Ended:
Mar 17, 2014