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Jesus De Navidad
Jesus de Navidad has a first grade education. She was not able to continue in school because of a lack of money, as her parents did not have enough money for her to continue to study. Also, she had to move to another town. Her father died when she was 8 years old. Upon his death, it fell to her to take over responsibility for her younger siblings. In order to support them, she used to travel to other towns to sell vegetables and to buy them food. After some years she found a partner, and now she has 4 children, all of whom are involved in agricultural activities for every harvest. Her oldest child is 17 years old. He only finished 6th grade because he didn't like to study, and so it was best for him to work the land with his father. They also have a 16 year-old daughter who also left school after 6th grade. She works on the domestic household chores. Their third child is 14 years old. Like their oldest, he did not enjoy school and so left after 5th grade to work in the fields. Their youngest child is 10 years old and is attending a local school. He is in the third grade.

Jesus de Navidad has 1 manzana (about 1.5 acres) of land which she and her partner obtained through a lot of hard work, as they both also work on other farms. Everyone in the family gets involved during the time that they harvest the coffee. One challenge that she faces is that the price is falling in the market, and that the wholesalers will buy her coffee at a low price, even though she does all of the processing of the coffee.

Jesus de Navidad's goal is to improve her crops so that she can get more income, improve her property, and be able to leave it to her children. This way, even though they didn't want to continue with their education, they can work the land and build their own homes. She is requesting a loan to buy agricultural supplies, because she has land to cultivate, and this way she can generate the income she hopes for in order to accomplish her goals and dreams.
View original language description ↓
Jesús de Navidad tiene un grado de estudio primaria completa y no pudo seguir estudiando por la falta de dinero debido que sus padres no tenían los suficientes ingresos para que ella continuara estudiando, que además tenía que viajar a otro municipio. Su padre falleció cuando ella tenía 8 años al fallecer a ella le toco la responsabilidad de los hermanos menores ya que para poder mantenerlos ella viajaba hasta otro municipio para vender verduras y comprarles la alimentación. Después a los años ella encontró una persona con la cual se acompañó y actualmente tiene cuatro hijos y todos se involucran en las actividades de la agricultura para cada cosecha, el primero tiene 17 años y solo llego hasta sexto grado esto porque no le gusto el estudio y mejor se dedicó a trabajar con el papa la tierra, la segunda tiene 16 años y solo llego hasta sexto grado ella se involucra en los quehaceres domésticos de la casa, el tercero tiene 14 años y solo llego hasta quinto grado ya que no le gusto el estudio y al igual que su hermano mayor él se involucra en el campo y el cuarto tiene 10 años y estudia en la escuela de la aldea cursa el tercer grado. Ella tiene 1 manzanas en total y la compraron haciendo un esfuerzo ya que también trabajan en otras fincas. Todos se involucran al momento de la corta de café; pero el desafío que ella tiene es que el precio baje en el mercado y que el intermediario no se lo compre a un precio muy bajo ya que ella hace todo el proceso del café.
Jesús de Navidad tiene como meta mejorar su cultivo para obtener más ingresos económicos mejorando más su propiedad y poderla heredar a sus hijos ya que no les gusto el estudio y así puedan trabajar y construir sus hogares.
Ella ha solicitado financiamiento para comprar insumos agrícolas ya que tiene 1 manzana de tierra cultivada y pueda obtener y generar los ingresos esperados para ir fortaleciendo sus metas y sueños.

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
  • 27
    View loans »
    Honduras Loans Fundraising
  • $8,146,250
    Funds lent in using Kiva
  • 20.5
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Jesus De Navidad to buy agricultural supplies for her coffee crops.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Nov 26, 2013
Listed
Dec 1, 2013
Currency Exchange Loss:
Possible
Ended:
Apr 16, 2014