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Norma Lidia
Norma Lidia is a young entrepreneur with many hopes and dreams of getting ahead. She is 21 years old, single, has no children, and lives with her parents. Her family are farmers and their income depends on the work they do in the fields, such as raising coffee. She supports her parents very much in the fields, doing different things such as weeding, composting, harvesting, etc. She has been doing this for six years and it was they who taught her to work the land. They also raise corn and beans and work the land together, which is located 2 km from their home and they travel there by car. Challenges she faces include plant diseases such as “roya”, “ojo de gallo,” icing, and natural climate changes. Competition is not a problem and she can sell her harvest and generate income for her family and household.

Her dreams are to be able to buy a large pulping machine, obtain more land, and plant more coffee so she can offer her customers a better variety of products, have more financial stability, and make more considerable investments in her coffee crops. If she wins, her parents also win because this is a family business.

She is asking for a loan to improve her coffee and basic grain crops by doing better weeding, adding compost, fertilizer, and fungicides that prevent disease.
View original language description ↓
Norma Lidia es una joven emprendedora, con muchas esperanzas y muchos sueños de superarse y salir adelante con 21 años de edad ella es soltera y sin hijos la cual vive con sus padres. Su familia es agricultora y su ingreso económico depende del trabajo que realizan en el campo como lo es el cultivo de café. Ella apoya mucho a sus padres en el campo realizando diferentes actividades como ser limpieza, aplicación de abono, recolección de grano, etc. desde hace 6 años siendo ellos quienes le enseñasen a trabajar la tierra. Ellos también cultivan maíz y frijol y trabajan juntos en la tierra que pertenece a sus padres la cual está ubicada a 2 kilómetros de su casa de habitación a la cual se traslada en bestia o en carro. Como desafíos encontrados en el trabajo de campo que ella realiza ha encontrado las plagas como la roya, ojo de gallo el hielo etc. y los cambios climáticos por parte de la naturaleza ya que la competencia no es problema para poder vender y generar ingresos para su familia y hogar.
Sus sueños son poder comprar una despulpadora grande, obtener más tierra y más plantación de café para ofrecer a sus clientes una mejor variedad del producto ya que de esa forma ella podrá mejorar sus ingresos y podrá tener una mayor estabilidad económica para re invertir en sus cultivos de café considerando que si ella gana sus padres también lo harán ya que el negocio es familiar y muy unido.
Por lo que ella hoy en día solicita un financiamiento con el cual mejorara sus cultivos de café y granos básicos dando una mejor asistencia y limpieza aplicando insumos agrícolas como abono, fertilizantes, formula cafetalera, fungicidas que evitaran la contaminación de bichos y enfermedades.

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.

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About Honduras

  • $4,800
    Average annual income
  • 60
    View loans »
    Honduras Loans Fundraising
  • $8,631,200
    Funds lent in using Kiva
  • 20.5
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,425 helped Norma Lidia to buy farming supplies.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Nov 15, 2013
Listed
Nov 29, 2013
Currency Exchange Loss:
Possible
Ended:
May 17, 2014