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Carmela is a 37-year-old woman who is married and she has 2 children from her marriage who are in different grades of primary school. She has made a living from agriculture for many years, which she learned from her parents as they worked in agriculture for their entire lives. She is an entrepreneurial woman who always seeks a way to generate income for her family. With the help of her husband, she was able to start a small grocery store business, with which she helps with various living expenses while her coffee is harvested. Her clients are the neighbors who live in the areas around her house, and for the coffee, various buyers who come to the area in search of a sound, quality product to resell.

She asks for help to buy fertilizer for her coffee crop, as her priority is to be able to get a good harvest and take maximum advantage of it.

Her plan for the future is to expand her small grocery store and divide the earnings that come in, one part for the coffee crop and the other part to be able to reinvest in the store, turning it into a small market. In the area where she lives, there are no strong and profitable markets. Her dream is to give her children a university education, as both are in high school and they have goals and dreams to fulfill and carry out.
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Carmela es una mujer de 37 años de edad casada y de su matrimonio tiene 2 hijos los cuales estudian en diferentes grados de educación en la primaria. Ella se dedica a la agricultura desde hace muchos años la cual aprendió por medio de sus padres ya que ellos se dedican a la agricultura desde toda una vida. Ella es una mujer emprendedora que siempre busca la forma de cómo generar ingresos para su familia y con la ayuda de su esposo pudo iniciar un negocio de pulpería con el cual ayuda en los diferentes gastos del hogar mientras se saca la cosecha de café. Sus clientes son los vecinos que viven en los alrededores de su casa y del café los diferentes compradores que llegan a la zona en busca de un producto sano y de calidad para revender.

Ella solicita ayuda para la compra fertilización y abono para sus cultivos de café ya que su prioridad es poder sacar una buena cosecha y aprovecharla al máximo.

Sus Planes para el futuro es ampliar más su pulpería dividiendo los ingresos que entran por parte del cultivo de café una parte y la otra para poder re-invertir en el mismo convirtiéndola en un pequeño mercadito ya que en la zona donde ella habita no hay un negocio fuerte y rentable. Su sueño es darles una educación universitaria a sus hijos ya que ambos están en el colegio y tienen metas y sueños para cumplir y llevar a cabo.

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

  • $4,800
    Average annual income
  • 115
    View loans »
    Honduras Loans Fundraising
  • $9,207,550
    Funds lent in using Kiva
  • 20.2
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Carmela to buy fertilizers for her coffee.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
At end of term
May 28, 2013
Jun 11, 2013
Currency Exchange Loss:
Jul 17, 2014