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Emerita
Emérita, 29, is married and has four children. The family works together growing corn, beans and coffee. Emérita could not finish primary school; right after the fourth grade, she had to quit because her parents lacked the necessary resources. Since they had a low income, they had to prioritize buying food for the family.

Emérita’s parents taught her to work with agriculture, something she has been doing for ten years and still today represents her only source of income for supporting her family. The family inherited the land from her husband’s parents, something that has helped them a lot. It is located where they live, which makes it easy for them to take care of it. Their produce is sold by different middlemen that visit their community.

Emérita is requesting help to buy fertilizer and compost for her coffee plantations, in order to keep them free of plagues and diseases, which destroy entire plantations if not stopped on time. Her dream is to expand her crops and generate more income to reinvest in her coffee production, now that rising prices of the supplies she needs in order to obtain all the benefits from her plantations represent a challenge for her. It will also help her to provide her children with a better education and a better quality of life.
View original language description ↓
Emérita es una mujer de 29 años de edad casada y madre de 4 hijos los cuales juntos en familia se dedican a la siembra y cultivo de maíz, frijol y café. Ella tiene un grado de educación primaria no completado el cual pudo cursar con mucho esfuerzo y sacrificio hasta el 4 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 dicha actividad la cual la ejerce hace 10 años y que hasta hoy en día sigue practicando ya que es el único medio de ingreso y sustento para su familia. El terreno que ellos cultiva lo adquirió gracias a una herencia por parte de los padres de su conyugue el cual les ha dado mucho fruto ubicado en la misma propiedad donde ellos habitan eso les facilita estar al pendiente para su mantenimiento, asistencia y limpia de 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 cultivos 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 más ingresos que le permitan seguir invirtiendo en su producción de café ya que uno de los más 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
  • 18
    View loans »
    Honduras Loans Fundraising
  • $8,225,225
    Funds lent in using Kiva
  • 19.6
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Emerita to buy fertilizer and compost for her coffee plantations.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Apr 2, 2013
Listed
Apr 5, 2013
Currency Exchange Loss:
Possible
Ended:
May 17, 2014