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Teresa
Teresa is a 37 year old married woman and the mother of three children. She is in charge of the home and is a farmer. She has 6 years of primary education but couldn't continue because her parents couldn't support her economically. They taught her to work with the land and very early in her life she learned how to raise corn, beans and rice, but was most dedicated to coffee. This business has been done through generations in her family and is a tradition that has been the medium of income for her and to sustain her children.

Now she has requested a loan from COMIXMUL to buy inputs to maintain her coffee plants, which can be vulnerable to pest exposure due to weather changes.

Her future plans are to cultivate a large area of land to be able to generate income for her home and her family, and also to be able to reinvest in her plants, giving them more detailed, better and more secure care. Her dream is to see her children graduate from the university and be able to suppor them until the end when they achieve their dreams and goals.
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Doña Teresa es una mujer casada de 37 años de edad madre de tres hijos, ama de casa y agricultora. Ella tiene 6 años de educación primaria cursados pero no pudo continuar por la falta de apoyo económico por parte de sus padres. Fueron ellos los que le enseñaron a trabajar la tierra a muy temprana edad en lo que es la siembra de maíz, frijoles, arroz pero con dedicación el café. Esta actividad viene de generación en generación en su familia es una tradición la cual ha sido medio de ingreso para ella y para el sustento de sus hijos.

Actualmente ella ha solicitado a la cooperativa COMIXMUL un financiamiento para la compra de insumos para dar mantenimiento a sus cultivos de café los cuales pueden con los diferentes cambios climáticos estar expuestos a plagas entre otros.

Sus planes para el futuro son los de cultivar una buena cantidad de tierra para poder generar ingresos para su hogar y su familia como también para poder re-invertir en sus cultivos tecnificándolos y dándoles una mejor y más segura asistencia. Su sueño es ver a sus hijos culminados y graduados a nivel universitario apoyarlos hasta el final y que cumplan sus sueños y sus metas.

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
  • 22
    View loans »
    Honduras Loans Fundraising
  • $8,218,850
    Funds lent in using Kiva
  • 20.3
    Honduras Lempiras (HNL) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,350 helped Teresa to buy inputs to maintain her coffee plants.
50% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Jun 24, 2013
Listed
Jun 27, 2013
Currency Exchange Loss:
Possible