Update on Ana JuliaAna Julia is 50 years old, married, and has four children. She lives with two of her children in a small village near the city of Puerto Cortes. Ana Julia has always worked in sales, and she used to sell all kinds of merchandise. Six years ago, she decided to start selling food because it is profitable. She built a small addition to her home, from which she sells soft drinks, candy and meals such as fried chicken with plantains, fried chops, tacos and others.
Ana Julia has requested various loans in the past, which have allowed her business to keep growing. She has managed to maintain a very good credit history with the field partner and this motivates her to continue working.
This is Ana Julia’s eighth loan cycle. She will use the loan of 25000 HNL to buy ingredients for the meals she sells, such as flour, meat, beans, soft drinks, dairy products, lard, condiments and others. Her goal is to continue working to satisfy her customers and to support her family.
Doña Ana Julia, siempre se ha dedicado al comercio, ella vendía todo tipo de mercadería. Hace 6 años decidió establecer un negocio de venta de comidas ya que es rentable. Anexado a su casa hizo un local donde vende refrescos, golosinas, comidas como pollo frito con tajadas, chuletas fritas, tacos, y otros. Ella ha solicitado varios préstamos lo que ha permitido que su negocio se mantenga en crecimiento. Hasta el momento ha logrado tener un buen record crediticio con la institución y eso le motiva a seguir trabajando.
El préstamo que solicita actualmente es el octavo ciclo y es por 25,000 lempiras con el cual va comprar insumos para la elaboración de comidas como ser harinas, carnes, frijoles, refrescos, lácteos, manteca, condimentos etc. Su meta es seguir trabajando con el negocio para satisfacer a sus clientes y crecer con la familia.
Previous Loan DetailsAna Julia, 49, is single with four children; she lives in a village near the city of Puerto Cortes with her oldest daughter. Ana Julia has always been a merchant. She used to sell all sorts of merchandise and five years ago decided to sell food because it’s profitable. She built a locale onto ... More from Ana Julia's previous loan »
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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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Success!! The loan was 100% repaid