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Ms. Benicia is 32 years old. In addition to being the mother of four children, she is also a farmer, a homemaker, and a business woman. She runs a small convenience store out of her home where she works every day. Her customers are people who come to pick up basic supplies for their home use. She, along with her husband, work for the well being of their family now that they are the only ones involved in working their land. They use the land to grow beans and potatoes; these crops are located on the same property where they live. She inherited the land through her parents and with a few years of experience, she and her husband have been able to give it the care it needs to keep it free of bugs, among other things.

Their plans and goals for the future are to grow greater production, which will improve both their income as well as the well being and future of their children. She plans to plant a variety of vegetables which she will sell to friends and neighbors and other customers at her store, as well as larger purchasers and middlemen that come to the area. She is requesting this financing through the COMIXMUL cooperative, which she will use to inject capital into her farming by acquiring fertilizer, herbicides, pesticides, and other supplies for growing cauliflower, broccoli, and others new crops.
View original language description ↓
Doña Benicia tiene 32 años de edad es madre de 4 hijos, agricultora y ama de casa como también comerciante ya que es propietaria de una pequeña pulpería ubicada en su casa de habitación la cual atiende diariamente ante las diferentes personas que llegan por la adquisición de cosas básicas para el consumo de sus hogares. En compañía de su esposo trabajan para el bienestar de su familia ya que son ellos los únicos involucrados en el trabajo de la tierra en el mantenimiento de frijol y papa ubicado siembras que están ubicados en la misma propiedad donde ella habita. La propiedad fue heredada por medio de sus padres y con unos años de experiencia en compañía de su esposo dan el mantenimiento necesario para que sus cultivos estén sanos y protegidos de bichos entre otros.

Sus planes y metas a futuro es poder cultivar una mayor producción la cual mejore sus ingresos para el bienestar y el futuro de sus hijos ya que ella planea sembrar una mayor variedad de hortalizas ´para poder vender a sus vecinos, amigos entre otros que visitan su negocio diariamente como también a los compradores o intermediarios que llegan a la zona. Es por ello que ha solicitado un financiamiento a la cooperativa COMIXMUL con el cual comprara e inyectara capital en sus cultivos en la adquisición de insumos como: coliflor, abono, curion, cionter, brócoli, manzate, entre otros para cultivar y dar asistencia a los mismos.

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
  • 102
    View loans »
    Honduras Loans Fundraising
  • $9,207,550
    Funds lent in using Kiva
  • 20.4
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Benicia purchase agricultural supplies and plant new products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 5, 2013
Sep 12, 2013
Currency Exchange Loss:
Jun 17, 2014