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Dixia Maria Jose
Dixa is a 20 year old young single woman who depends on no one. She has a secondary education and graduated with a bachelors degree in Letters and Science. She is a visionary young woman with many plans for the future and she is a bilingual kindergarten teacher. She is also a merchant who buys and sells garden decorations. She decided to start this business because when she teaches other languages to the children, she noticed that they would get excited whenever they would go outside and see these colorful figures that make children and adults feel happier.

Most of her business is out of her home and she doesn't have specific days that she can call good or bad because she sells her merchandise to friends and they in turn bring more friends. One of the major challenges with her business is transporting her products, since she travels every two weeks to buy arts from a distant location and this increases her costs. She has no competition.

She is asking for a loan through the COMIXMUL co-op so she can buy arts and crafts and in this way reduce her transportation costs because she will be able to buy larger quantities and only have to travel every 30-45 days.

Her mother is the only other person involved in her business and she is very grateful for her support. Her greatest dreams are to open a souvenir store in her area because there aren't any and in this way she can expand her variety.
View original language description ↓
Dixia es una joven de 20 años de edad la cual es soltera y de ella no depende nadie, tiene un grado de educación secundaria completa del cual se graduó como Bachiller en Ciencias y Letras. Ella es una joven visionaria y con muchos planes para el futuro la cual es maestra bilingüe en un kínder. Ella también es Comerciante la cual se dedicada a la compra y venta de artesanías para jardines. Ella decidió dedicarse a este negocio porque al trabajar con niños enseñándoles otro idioma noto que cuando salían al patio ellos se emocionaban al ver esa pequeña figura elaborada y colorida que además de adornar el ambiente ayuda a los niños y personas a sentirse emocional mente mejor. La mayor parte de su negocio la realiza en su casa y no hay días específicos a los que ella pueda llamar buenos o malos, porque ella siempre les vende su producto a sus amigos y estos a la vez traen a más amigos. Uno de los mayores desafíos con su negocio es el traslado de sus productos ya que viaja cada 15 días a comprar la artesanía a una aldea lejana de donde ella vive esto hace que los costos de operación se le aumenten, pues competencia no hay porque solo ella se dedica a este negocio.

Ella ha solicitado un financiamiento a la cooperativa COMIXMUL para la para la compra de artesanía y así bajar los costos de transporte ya que de esta forma ella podría adquirir una mejor y mayor cantidad con la cual ella no tendría que viajar cada 15 días si no cada 30 – 45 días.

La única persona que se involucra en el negocio a parte de ella es su madre a la cual le agradece enorme mente ya que es su único apoyo. Sus mayores sueños son los de lograr poder apertura una tienda de subenirs ya que en la zona donde ella habita no la hay de esa forma ella ampliaría más su variedad.

Additional Information

More information about this loan

These loans are designed for young Honduran women between ages 16 and 29 who want to start their own businesses to launch their careers. COMIXMUL offers training sessions through its sister organization FUDEIMFA that will culminate in clients writing their own business plans and receiving their first loans. The main difference between this product and other COMIXMUL loans is that the institution normally requires the client to already have an established business in order to be eligible for a loan. However, COMIXMUL is waiving this requirement for young women who attend the training sessions.

About Honduras

  • $4,200
    Average annual income
  • 19
    View loans »
    Honduras Loans Fundraising
  • $8,346,875
    Funds lent in using Kiva
  • 20.4
    Honduras Lempiras (HNL) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,425 helped Dixia Maria Jose to buy arts and crafts.
85% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 24, 2013
Listed
Sep 1, 2013
Currency Exchange Loss:
Possible