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José De La Cruz

Update on José De La Cruz

Jose is 63 years old, single and lives in the municipality of Azacualpa, Santa Bárbara together with his three children. Don Jose generates his income from his own business. Previously he worked in transportation with a school bus. More than three years ago he decided to devote himself to selling purified water in large bottles and bags. He sells door-to-door. He buys and distributes the products to individuals and stores using a motorcycle for delivery. He has requested a second loan for 10,000 Lempiras, with which he will buy water in bottles and bags to increase his stock and increase sales. His goal is to eventually form a small business in water distribution in order to generate income for his family. He is very grateful for the support provided.
View original language description ↓
Don Jose tiene 63 años de edad, soltero, vive en el municipio de Azacualpa, Santa Bárbara junto a sus tres hijos. Don Jose realiza su propia actividad de negocio para generar ingresos. Anteriormente trabajaba en transporte con un bus escolar y hace mas de tres años decidió dedicarse a la comercialización de agua purificada en botellón y en bolsa. Las ventas son a domicilio, compra y distribuye el producto a personas particulares y pulperías, el utiliza una motocicleta para la distribución. Ha solicitado un segundo préstamo que es por 10,000 Lempiras, con el cual va comprar agua en botellones y en bolsa para incrementar su inventario y aumentar las ventas. Sigue con la meta de llegar a formar una microempresa distribuidora de agua para generar ingresos para su familia. Agradece mucho el apoyo brindado.

Previous Loan Details

Jose is 62 years old and single. He lives with his three children in the municipality of Azacualpa, Santa Bárbara. He has his own business activity in order to generate income. He used to work in transportation with a school bus. Three years ago he decided to devote himself to selling purif... More from José De La Cruz's previous loan »

Additional Information

About Organización de Desarrollo Empresarial Femenino Financiera, S.A.

This loan is administered by Organización de Desarrollo Empresarial Femenino Financiera, S.A. (ODEF), a Kiva Field Partner in Honduras. A leader in the microfinance sector since 1985, ODEF strives to combat poverty by offering a wide array of financial services to low-income men and women. The organization works with its parent NGO, ODEF OPD, to provide training and technical assistance to impoverished microentrepreneurs. By incorporating the entire family unit in this process, ODEF OPD aims to improve the standard of living through the creation of profitable enterprises. Visit ODEF’s partner page for more information.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Honduras

  • $4,800
    Average annual income
  • 62
    View loans »
    Honduras Loans Fundraising
  • $8,801,600
    Funds lent in using Kiva
  • 20.4
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped José De La Cruz compra de botellones y bolsas de agua para vender.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 14, 2013
Sep 5, 2013
Currency Exchange Loss:
Dec 19, 2013
This photo was used before for a previous loan for José De La Cruz. It was first posted on Kiva on Jan, 2013. Learn More