Oscar is a very hardworking man who lives in a community in southern Honduras along with his wife and their two children. He has had a business selling firewood and snacks for the past five years. Oscar sells the items from his home and around his community and other nearby villages. He is requesting the loan to purchase more supplies like beef, cabbage, potatoes, green bananas, chicken, beverages, yucca, lettuce, rice and other items. Oscar hopes that thanks to this loan his sales will increase and will help him out a lot so he can buy more ingredients necessary to keep making his snacks. Oscar and his fellow group members hope to grow their businesses so they can earn a little bit more income and improve the quality of life for themselves and their families a little bit. Oscar's dream is for his business to be one of the best known in the community, and in this way he will be able to continue supporting his family so his children can stay in school and become good people with better opportunities in life. María is 51 years old and has had a small convenience store for the past 10 years. Angélica is 27 years old and has had a business selling refreshments for more than three years.
El señor Oscar es una persona muy trabajadora vive en una comunidad al sur de Honduras, junto a su esposa y sus 2 hijos. Su negocio es la venta de leña y golosinas desde hace 5 años.
Don Oscar vende desde su casa de habitación y de manera ambulante en su comunidad y demás caseríos cercanos a esta. Necesita el préstamo para la compra de más materia prima como ser: carne de res, repollo, papas, plátanos verdes, pollo, refrescos, yuca, lechuga, arroz, etc.
Don Oscar espera que gracias al préstamo las ventas aumenten, le servirá de mucho porque así contara con más insumos que son necesarios para seguir elaborando su producto.
Don Oscar al igual que sus compañeros de grupo esperan hacer crecer sus negocios y que les genere ganancias que les permitan mejorar un poco sus calidades s de vida y las de sus familias.
Don Oscar su sueño es q su negocio sea uno de los más reconocidos de la comunidad y con esto poder seguir apoyando a su familia y que sus hijos continúen con los estudios y se conviertan en personas de bien y con mayores oportunidades en la vida.
Doña María tiene 51 años, su negocio es una mini pulpería desde hace 10 años.
Angélica tiene 27 años, su negocio es la venta de refrescos y más desde hace 3 años.
Choluteca, Honduras – Marzo 2013
Prisma Honduras, S.A.
This loan is administered by Prisma Honduras. Prisma is one of Kiva's first field partners in Central America and has funded over 2,500 entrepreneurs through Kiva since 2008. Prisma funds smaller than average loans for micro-entrepreneurs to help them grow businesses in urban and rural areas. To improve living conditions in Honduras, the organization strives to empower women who lack access to traditional financial services, and promotes solar panels to deliver clean, affordable electricity to rural areas. Through its four branches in southern and central Honduras, Prisma provides access to financial products to some of the poorest and most isolated communities in the country.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.