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Las Crucitas Group
In this Group: Ubaldo , Orvin Alexi , Elvin Dario , Aly Rolando, German, Jose Erasmo, Victor Arnoldo, Marvin Francisco, Samuel, Emar Otoniel
Ubaldo is 54 years old, married, has six children and lives in the town of Naranjito, Santa Bárbara. He has worked for 30 years in farming corn and beans and his main activity is in coffee cultivation. He keeps his crops close to home and the produce is sold in the same area. He has had four cycles of ODEF loans. The current loan is 10,000 lempiras, and will be used in order to purchase fertilizers, manure, fungicides and to pay for labour costs for the maintenance of crops such as staple grains and coffee. His goal is to keep going, to keep working day by day, and to be able to leave something for his family so that they are able to work. Ubaldo has requested a group loan. The group is called Las Crucitas and consists of 10 members living in the same community who work in agriculture. In the photo the group members are as follows: on the left is Emar, Aly in the brown shirt, Orvin in the striped green shirt, Victor in the blue shirt, next Marvin and Elvin, Ubaldo in the checkered long-sleeve white shirt, German, Jose and finally Samuel on the right in the salmon-coloured shirt. The group loan is for 81,000 Lempiras and they will use it to purchase fertilizer, manure and to pay for the cleaning of the coffee farm.
View original language description ↓
Ubaldo, tiene 54 años de edad, esta casado, tiene seis hijos y vive en el municipio del Naranjito, Santa Bárbara. Tiene 30 años de dedicarse a la agricultura de maíz, frijol y su actividad principal es el cultivo de café. Estos cultivos los tiene en un lugar cercano a su casa y la producción la vende en la misma zona. Lleva cuatro ciclos de préstamos en ODEF. Este préstamo actual es por 10,000 lempiras y lo va utilizar para la compra de fertilizantes, abonos, fungicidas y para el pago de la mano de obra ´para darle mantenimiento a los cultivos de granos básicos y café, con el propósito de prevenir las enfermedades a los cultivos. Su meta es seguir adelante, seguir trabajando día a día, y poder dejarle algo a su familia para que puedan trabajar.
Ubaldo ha solicitado el préstamo en forma grupal, el grupo se llama Las Crucitas y esta formado por 10 integrantes que viven en la misma comunidad y se dedican a la agricultura. En la foto se identifican así: a la izquierda esta Emar, Aly camisa café, Orvin camisa verde rayada, Víctor camisa celeste, Marvin, Elvin, Ubaldo de camisa manga larga cuadriculada blanca, German, José y Samuel a la derecha camisa salmón.
El préstamo grupal es por 81,000 Lempiras y lo utilizaran para comprar fertilizantes, abonos y pago por limpieza de la finca de café.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Honduras

  • $4,200
    Average annual income
  • 59
    View loans »
    Honduras Loans Fundraising
  • $8,395,150
    Funds lent in using Kiva
  • 20.4
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Crucitas Group's $3,975 loan helped a member to purchase manure, fungicides, fertilizers, and to cover labour costs for the maintenance of the coffee plantation.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Aug 15, 2013
Sep 8, 2013
Currency Exchange Loss:
Mar 17, 2014