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Noemy Del Carmen
Noemy, 28, is a young coffee grower and homemaker who has a common-law husband. She has three children at home, two of whom attend school and a little girl who goes to kindergarten. Noemy has a complete primary education which she was able to finish thanks to the financial and moral support of her parents to whom she is grateful.

She and her husband are the only ones who take care of the coffee and basic grain (corn and bean) crops and they have been working together for five years. But it was their parents who taught them about crop farming. They have their own land which was inherited from her mother, and she is grateful for having the land so she can earn a living for the family. At the end of every harvest she sells grain to different buyers who come to the area and to people from neighboring communities who re-sell at the local market. Part of her cropland is located five kilometers from home, so they go there by vehicle, and the other part is one kilometer from home, so they can walk there.

Noemy is requesting a loan to buy farm supplies for her coffee crop and to hire workers to care for the crops since it is impossible for her and her husband to cover everying given the distance.

Her goal is to continue growing coffee because it is a fairly profitable business; so she will give it the care and maintenance necessary for a successful harvest. As a mother, she wants to give her children the opportunity to continue their education through university level so they can graduate and be better prepared and have more employment opportunities.
View original language description ↓
Noemy es una joven de 28 años de edad, la cual es caficultora y ama de casa en un estado civil de unión libre y de su relación en hogar tiene 3 hijos, los 2 mayores están en la escuela y la niña menor en el kínder. Su grado de educación es de primaria completa la cual pudo cursar gracias al apoyo financiero y moral por parte de sus padres a quienes ella agradece el apoyo brindado. En sus cultivos de café y granos básicos (maíz y frijol) son ella y su pareja los únicos que se involucran en todas las tareas a realizar en sus cultivos teniendo 5 años de hacerlo en compañía de su pareja pero fueron sus padres quienes le enseñaron a trabajar la tierra. El terreno que ella y su pareja trabajan es propio gracias a una herencia de parte de su madre a quien ella le agradece esa gran oportunidad de tener el terreno para poder generar ingresos para su familia. Al final de cada cosecha ella vende el grano a los diferentes compradores que llegan a la zona y otros que llegan de lugares aledaños para re vender en el mercado local. Una parte de sus cultivos está ubicada a 5 kilómetros de distancia desde su casa de habitación a la cual se traslada en vehículo y la otra parte está cerca de 1 kilómetro a la cual se traslada caminando.
Ella hoy en día solicita ayuda para la compra de insumos agrícolas para poder asistir sus cultivos de café y poder pagar mano de obra para poder asistir ambos cultivos ya que no le es posible hacerlo solo ella y su pareja por las distancias en las que están ubicados.
Sus metas son seguir cultivando café ya que es un rubro bastante rentable dando todas las atenciones y el mantenimiento posible para que al final de cada cosecha el grano sea un éxito. Como madre para sus hijos darles la oportunidad de ir avanzando con sus estudios un paso a la vez hasta llegar a la universidad y que puedan graduarse para ser mejores personas y con mejores oportunidades de empleo.

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
  • 53
    View loans »
    Honduras Loans Fundraising
  • $8,383,625
    Funds lent in using Kiva
  • 20.4
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Noemy Del Carmen to buy farm supplies and hire maintenance workers.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Oct 12, 2013
Listed
Nov 13, 2013
Currency Exchange Loss:
Possible
Ended:
Jun 17, 2014