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Luz Ermelinda
Luz Ermelinda is 46 years old and works as a farmer and trader. She is married and has a son who is a taxi driver. She finished elementary school thanks to the financial support from her parents who also taught her how to work from a very young age, in particular, teaching her how to grow coffee. She and her partner have been growing coffee for more than 10 years. She also has a business selling plastic goods including bowls, cups, plates, etc. which she sells at the local market to people shopping there. Her coffee plantation is located 3 kilometers away from her home.

Luz Ermelinda is requesting financial support from COMIXMUL to invest in the purchase of foliar insecticides, manure, coffee-growing formula, etc. to ensure that her crops do not get damaged by coffee rust, berry borers or other diseases and parasites that affect the final product

Her future plans include diversifying her crop in order to make her produce more competitive and attractive on the market and to be able to offer a wider variety to the different customers and consumers who arrive to the area looking for good quality.
View original language description ↓
Luz Ermelinda tiene 46 años de edad, agricultora y comerciante, casada y madre de un hijo el cual es taxista. Ella tiene un grado de educación primaria completa el cual pudo cursar gracias al apoyo financiero de sus padres mismos que le enseñaron a trabajar desde muy temprana edad la tierra especialmente el cultivo de café y en compañía de su pareja lo practican hace más de 10 años. Ella como comerciante tiene un negocio de venta de plásticos: Pailas, vasos, platos, etc. los cuales los comercializa en el mercado local siendo sus clientes las personas que transitan por el mercado local. Sus cultivos de café están ubicados a una distancia de 3 kilómetros de distancia de su casa de habitación.

Luz Ermelinda ha solicitado a COMIXMUL un apoyo financiero el cual será destinado para la compra de foliares, abono, formula cafetalera, etc. para poder tecnificar sus siembras y no sean dañados por la roya, broca, entre otras enfermedades y bichos que deterioran el producto final.

Los planes para el futuro es poder cultivar una mejor variedad la cual haga sus cultivos competitivos y atractivos en el mercado y con los diferentes clientes y consumidores que llegan a la zona en busca de un producto de calidad.

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
  • 72
    View loans »
    Honduras Loans Fundraising
  • $8,633,625
    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 Luz Ermelinda to buy manure, foliar insecticides, and coffee-growing formula for her coffee crop.
0% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
At end of term
Jul 5, 2013
Jul 24, 2013
Currency Exchange Loss: