Francis is 27 years old, married, and has two children ages 3 and 8, with whom she lives in a suburb of Santa Cruz de Yojoa. She farms with her husband and they work together to support the family. For several years she has been raising corn, yucca, and vegetables and sells these products in the community. They have improved their crops with the help of loans and are now asking for 25,000 Lempiras to buy fertilizer and maintain their corn and yucca crops. The purpose is to have a good harvest and obtain earnings that will allow them to improve the family’s quality of life. In the future she wants to have her own farmland.
Francis, tiene 27 años de edad, está casada y tiene 2 hijos de 3 y 8 años de edad, con quienes vive en una aldea de Santa Cruz de Yojoa. Ella realiza la actividad agrícola junto a su esposo, con quien trabaja mancomunado para el sostenimiento de la familia. Desde hace varios años cultiva maíz, yuca y hortalizas. Estos productos los comercializan en la comunidad. Ha mejorado sus cultivos mediante préstamos, actualmente solicita el cuarto préstamo de 25,000.00 Lempiras, para comprar fertilizantes y darle mantenimiento a sus cultivos de maíz y yuca. El propósito es sacar buenas cosechas y obtener ganancias que le permitan mejorar la calidad de vida de su familia y en un futuro tener su propio terreno para cultivar.
Previous Loan Details
Francis is 26 years old, married, and has two children (ages 3 and 8). She lives with her family in a neighborhood of Santa Cruz de Yojoa.
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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
This photo was used before for a previous loan for Francis Esther. It was first posted on Kiva on May, 2012. Learn More
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.