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Jose Cruz
Jose is 42 years old. He is married and has 8 children and lives with his family in the city of Choloma, Cortes.

Six years ago, Jose established a small grocery store business. This has been his source of income to support his family. He started this business with his own money and with the help of his wife. He says that sales are stable because the products he puts out every day sell and are indispensable for homes. He has asked for his fourth loan, which is for 21,000 lempiras. He needs it to stock up on products such as flour, beans, rice, lard, sugar, eggs, bread, dairy products, chicken, beverages, etc. He thinks that making this investment will help him to earn more income and help his family financially.

The goal is to keep investing in his business to keep it stable.
View original language description ↓
Jose tiene 42 años de edad, es casado, tiene 8 hijos y vive con su familia en la Ciudad de Choloma, Cortes.
Don Jose hace 6 años establecio un negocio de pulperia, este ha sido su fuente de ingreso para mantener a su familia. Este negocio lo establecio con fondos propios y con la ayuda de su esposa. Dice que las ventas son estables ya que son produtos que a diario se venden y son indispensables en el hogar.
ha solicitado su cuarto prestamo de 21,000 lempiras y lo necesita para surtir de producto como harina, frijoles, arroz, manteca,azucar, huevos, pan, lacteos, pollo, refrescos, etc. Piensa que haciendo esta inversion le ayudara a ganar mas ingresos y ayudar a su familia economicamente.
La meta es seguir invirtiendo en su negocio para mantenerlo estable.

Additional Information

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.

About Honduras

  • $4,200
    Average annual income
  • 39
    View loans »
    Honduras Loans Fundraising
  • $7,986,350
    Funds lent in using Kiva
  • 19.6
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Jose Cruz to buy food products such as beans, rice, lard, sugar, eggs, bread, dairy products, chicken, beverages, etc., to stock his business.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Mar 20, 2013
Apr 7, 2013
Currency Exchange Loss:
Jul 18, 2014