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Ludis Analy
Doña Ludis is a 30-year-old farmer who also, with the help of her partner, cares for her five children. She believes that it's never too late to study and learn, so she's currently studying at a sixth grade level because she didn't have the chance to go to school as a child.

Doña Ludis' children are, from oldest to youngest: a daughter who is in her second year at a high school that she attends in a nearby town, a 13-year-old daughter in sixth grade in a local school, an 11-year-old son in the fourth grade, an eight-year-old boy in second grade, and a three-year-old daughter. All of the children live with Doña Ludis.

Doña Ludis is a farmer who grows coffee, as well as corn and beans, although those two crops are only for the family's consumption. Doña Ludis' parents taught her to farm when she was very young, sharing with her a lifetime of experience. The family owns its the land it farms, having acquired it through years of hard work and dedication. After the harvest, Doña Ludis sells her crops to wholesalers who travel through the region purchasing high-quality produce at reasonable prices.

Doña Ludis' long-term goal is to earn first a high school diploma and then a university degree. Higher education will make her children proud of her; they'll see that she's a role model for them and that they can also achieve professional careers for themselves.

These aspirations are the motivations for Doña Ludis and her partner to strive diligently each day. Their goals are also the reason she is applying for a loan that she'll use to purchase eight quintales of urea, and eight quintales each of 12-24-12 and 18-26-0 fertilizers to cultivate and sustain her coffee crop.
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Doña Ludis con 30 años de edad es agricultura y ama de casa, madre de 5 hijos los cuales dependen de ella y su compañero de hogar. Doña Ludis piensa que nunca es tarde para aprender y para estudiar por lo que ella en la actualidad está cursando el sexto grado ya que cuando estaba joven no pudo estudiar. Su hija mayor está cursando el segundo año del plan básico en una comunidad cercana, la segunda hija tiene 13 años y está cursando el sexto grado en la escuela de la comunidad, el tercer hijo tiene 11 años y está cursando el cuarto grado, el cuarto hijo tiene 8 años y está en segundo grado y la última tiene 3 años y todos viven con ella. Ella es agricultora y se dedica al cultivo de café, maíz y frijoles aunque solo para consumo de su hogar ella aprendió a realizar estas actividades desde muy pequeña ya que sus padres se dedicaron a este rubro desde toda una vida. La tierra que trabajan en familia es propia y la han adquirido con mucho esfuerzo y dedicación por varios años. Al final de la cosecha su producto lo venden con intermediarios que se trasladan hasta la comunidad para comprar producto de buena calidad y con un precio razonable.

Su meta a largo plazo es sacar su bachillerato y poder culminar una carrera universitaria y así sentir el orgullo de sus hijos y pueda ser ejemplo para que ellos puedan ser profesionales también. Es por esa razón que ella diariamente trabaja duro en compañía de su conyugue por lo que hoy en día ha solicitado un financiamiento con el cual comprara 8 QQ de urea, 8 QQ de fórmula 12-24-12 y 8 QQ de fórmula 18-26-0 para dar mantenimiento y asistencia a sus cultivos de café.

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
  • 89
    View loans »
    Honduras Loans Fundraising
  • $8,676,100
    Funds lent in using Kiva
  • 20.4
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Ludis Analy to purchase agricultural supplies for her coffee crops.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Sep 3, 2013
Listed
Sep 5, 2013
Currency Exchange Loss:
Possible
Ended:
Mar 17, 2014