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Irma Yolanda
Irma, 32, is married and mother of three children who live in her house; none of them are attending school. She’s a housewife and farmer with three years of primary education; she was unable to continue because her parents couldn’t give her economic support. She learned to grow coffee from her husband and has been doing so with him for more than six years. The land she and her husband work is their own thanks to their effort and work of many years. Her main and most important customer is IHCAFE (Honduran Coffee Institute) since they guarantee and purchase the harvests ahead of time because of its quality and because of the transparency with which they work.

Today, she’s asking the Comixmul cooperative for financing she plans to use to buy manure, urea and coffee plant formula to better care for her crop and thus obtain a better harvest. Her future plan is to be able to expand the coffee plantation and to have her crops in excellent, attractive condition for her customers because her coffee crop is her only source of income for her and her family’s support.
View original language description ↓
Irma tiene 32 años de edad, ella es casada y madre de 3 hijos los cuales viven en su casa de habitación y ninguno de ellos estudia. Ella es ama de casa y agricultora con 3 años de educación primaria pero no pudo continuar por la falta de apoyo económico por parte de sus padres. La actividad de cultivo de café la aprendió de su esposo y lo práctica en su compañía hace más de 6 años. El terreno que ella en compañía de su esposo trabaja es propio gracias al esfuerzo y trabajo puesto por muchos años. Su cliente mayor y más fuerte es IHCAFE (Instituto Hondureño de café) ya que ellos avalan y compran la cosecha de antemano por la calidad y transparencia con la que ellos trabajan.

Hoy en día ella ha solicitado a la cooperativa COMIXMUL un financiamiento con el cual ella piensa comprar abono, urea y formula cafetalera para darle un mejor mantenimiento a sus cultivos y poder obtener una buena cosecha.

Sus planes para el futuro es poder ampliar sus cultivos de café tener sus cultivos en excelentes y atractivas condiciones para sus clientes ya que sus cultivos de café son su única entrada económica para el sustento de ella y su familia.

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
  • 40
    View loans »
    Honduras Loans Fundraising
  • $7,989,775
    Funds lent in using Kiva
  • 20.4
    Honduras Lempiras (HNL) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,350 helped Irma Yolanda to buy agricultural supplies for her coffee crop.
1% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Jun 28, 2013
Listed
Jul 11, 2013
Currency Exchange Loss:
Possible