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Teresa De Jesus
Teresa is a determined 32-year-old woman with a primary school-level education. Together with her husband and their four children, she has been able to overcome her limited education thanks to their work growing vegetables (potatoes). She has a great deal of experience in this business, as she learned it more than twelve years ago when she got married; her husband is the one who taught her how to plant and grow vegetables. Her children are all minors; the two older ones are students and help their parents when they get out of school every day.

Teresa and her husband work hard so that their children won't have to quit school and will instead have a better future, a better way of life, and won't face the very difficult situation that they experienced in their youth. Their produce is sold through brokers who come to their area because of their good reputation for quality, hygiene, and work ethic. But, as with every crop, there are always risks, like disease and market price variations.

Currently, Teresa is requesting help so she can to invest in her potato crop by buying fertilizers, soil amendments, and pumps for fumigating her crop to help keep it healthy and free of disease. Her goals are to be able to expand her land so she can grow a lot more and generate more earnings for her family and to reinvest in her business until she has her own capital. Her dream is to be able to cultivate a variety of vegetables so she can offer more to her customers and consumers in the region, thereby earning more income and supporting her children in their educations and in all their dreams and goals.
View original language description ↓
Teresa es una mujer de 32 años de edad luchadora con un grado de escolaridad de primaria completa que junto a su esposo y sus 4 hijos se han podido superar gracias a la dedicación en la actividad del cultivo de hortalizas (papa). Ella tiene mucha experiencia en esta actividad ya que aprendió la actividad hace más de 12 años dicha experiencia la adquirió cuando se casó siendo su pareja quien le enseñara la siembra y cultivo de hortalizas sus hijos son menores de edad 2 de ellos (mayores) estudian en la escuela y diariamente apoyan a sus padres al salir de la escuela.

Teresa junto a su esposo trabajan duro para que sus hijos no dejen de estudiar y tengan un mejor futuro, un mejor estilo de vida y no pasen por la situación tan difícil que ellos en su juventud pasaron. Su producto es comercializado a través de intermediarios que llegan a la zona teniendo una gran reputación por su calidad, higiene y forma de trabajar; pero como toda siembra y cultivo no deja de tener riesgo siendo estos las plagas y la variación de precios en el mercado. Actualmente Teresa solicita ayuda para poder invertir en la siembra de papa comprando fertilizantes, abono, y bombas para fumigación a su producto para que ayude a mantenerlo sano y limpio de plagas.

Sus metas son de poder ampliar sus tierra para poder cultivar mucho mas y generar mas ganancias para su familia y re-invertir en su negocio hasta tener un capital propio. Su sueño es poder cultivar una variedad de verduras para ofrecer mas a sus clientes y consumidores de la zona obteniendo mas ingresos y de esa forma apoyar a sus hijos en sus estudios y todos sus sueños y metas a cumplir.

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
  • 25
    View loans »
    Honduras Loans Fundraising
  • $8,241,875
    Funds lent in using Kiva
  • 19.6
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Teresa De Jesus to purchase fertilizer, soil amendments, and fumigation pumps for her potato crops.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Apr 4, 2013
Listed
Apr 7, 2013
Currency Exchange Loss:
Possible
Ended:
Mar 17, 2014