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Delma Eliza
Delma is a 41 year old fighter who completed one year of Primary school. She didn't finish Grade 2. She is the single mother of one young child who is not yet of school age. She has grown coffee for the past 10 years. It is something that her parents taught her to do at a very early age since it is a profitable activity. Keep in mind that coffee is very well paid on the market and it has allowed her enough revenues to support her child even when prices are low.

Her clients are her neighbors, friends or middlemen who come to the area searching for good product as the climate is suitable and the soil is fertile. By harvest time the berries are very good thanks to the attention given them, part of this being the application of agricultural supplies. Her major challenge is the instability of prices in the market. Competition is not a problem.

Delma is requesting a loan today to be able to buy the supplies necessary to be able to continue protecting her coffee crops as she has done up to now. In this way she gets good beans at harvest time.

Her goals are to be able to apply the supplies to her coffee crops to protect them against insects, infestations and frost so the berries don't get destroyed and the hours and days of her labor wasted. Also with the revenues generated she can buy another type of plant to grow a different variety of coffee to offer her buyers. Her priority is to see her son become a professional having a good education and the possibility of a better future.
View original language description ↓
Doña Delma es una mujer de 41 años de edad luchadora con un grado de escolaridad de primaria no completada cursado hasta el 2 grado madre soltera de 1 hijo el cual es menor de edad y no tiene edad para estudiar. Ella se dedica al cultivo de café desde hace más de 10 años actividad que aprendió gracias a sus padres por lo que ella a muy temprana edad decidió aprender ya que es una actividad rentable tomando en cuenta que el precio del café en el mercado sea bien pagado, sin embargo no deja de obtener ingresos para el sustento de su hijo aunque el precio sea malo. Sus clientes son vecinos, amigos e intermediarios que llegan a la zona en busca de un buen producto ya que el clima es apto y la tierra es fértil por lo que al final de la temporada el grano es muy bueno de la mano con la atención brindada por su parte mediante la aplicación de insumos agrícolas siendo estos su mayor desafió por la inestabilidad de precios en el mercado ya que la competencia no es problema.
Por lo que ella hoy en día solicita financiamiento para poder comprar los insumos necesario para poder seguir asistiendo sus cultivos de café como lo ha hecho hasta hoy en día ya que de esa manera ella podrá obtener un buen grano al final de la temporada.
Sus metas son las de poder aplicar el insumo a sus cultivos de café protegiendo estos de bichos, plagas, heladas evitando que el grano se deteriore y se pierdan horas y días de trabajo. También poder comprar con las ganancias otra clase de plantilla para poder cultivar una variedad diferente de café y ofrecer a sus clientes para su compra/venta; pero la prioridad de ella es ver a su hijo convertido en profesional teniendo una mejor educación y a sí mismo un mejor futuro.

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

  • $4,200
    Average annual income
  • 23
    View loans »
    Honduras Loans Fundraising
  • $8,349,000
    Funds lent in using Kiva
  • 20.4
    Honduras Lempiras (HNL) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,225 helped Delma Eliza to buy agricultural supplies to assist her coffee crops.
70% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Nov 4, 2013
Listed
Nov 9, 2013
Currency Exchange Loss:
Possible