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Maria Isabel
María Isabel, 34, is a determined woman with a lot of dreams, hopes, and desires for improving herself and getting ahead. She's the mother of two children who live in her house and depend on her because they're in different grades in elementary school.

She and her husband make a living growing coffee. It was her parents who taught her to work from a very young age, though, and today she has continued doing that job with her husband for more than 20 years because it's the source of income for her family and the household.

María Isabel went to school up to third grade; her parents weren't able to support her in her studies because of financial problems so she didn't finish elementary school. The land she and her husband farm is her own, thanks to an inheritance from her parents because they weren't able to support her in her studies so she could be trained. The land's located two kilometers from her house; they walk there as a family so she can generate income for her household. The challenges she has encountered in her farm work are pests and natural weather changes. Competition isn't a problem for selling her crop and generating income.

María Isabel's dream is to acquire more land and more coffee farms to offer her customers a better variety of the crop. This way she'll be able to improve her income and have greater economic stability to reinvest in her coffee crops and support her children in their studies.

This is why she's currently requesting a loan to improve and take care of her crops by applying agricultural inputs such as soil amendments, fertilizer, coffee formula, and fungicide to prevent contamination by pests and diseases.
View original language description ↓
Doña María Isabel es una señora con una edad de 34 años, luchadora, con muchos sueños, muchas esperanzas y anhelos de superarse y salir adelante. Ella es madre de 2 hijos quienes viven en casa y dependen de ella ya que estudian en la primaria en diferentes grados de educación. En compañía de sus esposo se dedica a la caficultura pero fueron sus padres quienes le enseñaron a trabajar desde muy pequeña y hoy en día sigue ejerciendo dicha actividad en compañía de sus esposo por más de 20 años ya que es la fuente de ingresos para su familia y hogar. Doña María Isabel Tiene un grado de educación primaria cursado hasta el 3 grado que por problemas económicos sus padres no pudieron apoyarla para que ella terminara la primaria. La tierra que en compañía de su esposo atiende es propia gracia a una herencia que fue dada por sus padres la cual está ubicada a 2 kilómetros de distancia de su casa de habitación a la cual se trasladan caminando en familia para que ella pudiese generar los ingresos para su hogar ya que no pudieron apoyarle en sus estudios para que ella fuese una persona preparada. Como desafíos encontrados en el trabajo de campo que ella realiza ha encontrado las plagas y los cambios climáticos por parte de la naturaleza ya que la competencia no es problema para poder vender su producto y generar ingresos.
Sus sueños son poder obtener más tierra y más plantación de café 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 y apoyar a sus hijos en sus estudios.
Por lo que ella hoy en día solicita un financiamiento con el cual mejorara sus cultivos dando una mejor asistencia 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.

About Honduras

  • $4,800
    Average annual income
  • 90
    View loans »
    Honduras Loans Fundraising
  • $8,676,100
    Funds lent in using Kiva
  • 20.5
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,425 helped Maria Isabel to buy agricultural inputs for her coffee crop.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Nov 29, 2013
Listed
Dec 3, 2013
Currency Exchange Loss:
Possible
Ended:
Jul 17, 2014