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Rubercinda
Rubercinda is 29 years old and is in a civil partnership. She is entrepreneurial and a fighter and has many dreams and wishes to fulfil.

She finished the third grade of primary school because her parents lacked the financial resources and couldn't afford to support her studies. It was her parents who taught her about the coffee-growing business: how to plant, prune, use fertilizers, harvest and use machinery in the cultivation process.

She is infinitely grateful to her parents for teaching her about this business because it has been her family's main source of income and currently, her own family's main source of support. Through her business she can cover basic needs such as food, clothing, prescription medicine etc. Her family is large and she has 7 children who are all either in school or college. They help her with domestic work when they get out of school and also sometimes help out in the fields. She works hard growing coffee with her partner so they can have a better life.

The land they cultivate is inherited and is located 150 metres from the family home, meaning that they can walk there, allowing them to always be available to take cares of the crops.

At the moment she is requesting a loan to buy fertilizer and compost to maintain her coffee crops because this will allow her to keep them healthy and free from diseases or insect damage.

Her dream is to put her children through university in the courses they choose because then everyday they can improve and it will afford them better opportunities in life. They can also improve their lifestyle, as they will inherit the land they work so they can create work for themselves and build up their own businesses.
View original language description ↓
Rubercinda es una mujer de 29 años de edad en un estado civil (unión libre) emprendedora, luchadora con muchos sueños y deseos de superarse. Ella tiene un grado de escolaridad de primaria no completado cursado hasta el 3 grado ya que sus padres son de escasos recursos económicos y no pudieron seguirla apoyando con sus estudios. Fueron ellos los que le enseñaron desde muy pequeña a trabajar en el cultivo de café como ser: siembra, poda, fertilización, corta de cosecha y la mecanización del cultivo. Ella agradece infinitamente a sus padres por haberle enseñado a trabajar en esta actividad ya que ha sido medio de sustento para su familia y en la actualidad para su hogar del cual pueden cubrir las necesidades básicas como ser: alimentación, vestimenta, medicinas con muchas restricciones, etc. Su familia es muy numerosa y está compuesta por 7 hijos los cuales están en la escuela y en el colegio ellos ayuda en algunas tareas del hogar al salir de sus actividades escolares con algunas actividades en el campo. Por ellos es que trabajan fuertemente en el cultivo de café junto a su pareja para que tengan una mejor vida. Las tierras donde cultivan son obtenidas por herencia y están ubicadas a una distancia de 150 metros de su casa de habitación aproximada mente por lo cual se trasladan a pie y les permite estar al pendiente de la asistencia y mantenimiento a sus cultivos.

Actualmente ella solicita ayuda para la compra de fertilizante y abono para el mantenimiento de su cultivo de café ya que esto permitirá que se mantenga sano y limpio de cualquier plaga y enfermedad.

Su sueño es lograr graduar a sus hijos de las carreras que ellos puedan escoger para su beneficio y dedicación ya que eso les permitirá ser mejores cada día, con mejores oportunidades en la vida, y puedan mejorar su estilo de vida ya la tierra que ellos actualmente trabajan será su herencia para que ellos puedan generar empleo y crear su propia empresa.

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
  • 37
    View loans »
    Honduras Loans Fundraising
  • $7,989,275
    Funds lent in using Kiva
  • 19.7
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Rubercinda to buy fertilizer and compost to maintain her coffee crops.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Mar 25, 2013
Listed
Mar 27, 2013
Currency Exchange Loss:
Possible
Ended:
Apr 16, 2014