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Norma
Norma is 37 years old, completed primary school, and decided to become a farmer early in life. Her husband works in the United States in order to give a better future to their four children. The eldest is 20 and finished high school, the daughter is sixteen and finishing high school, and the youngest two are twins who go to primary school. Norma grows coffee and has been doing so for many years, which means she knows everything about caring for the plants, harvesting the crops, using manure and fertilisers, etc. She owns a plot of land, a small part of which she inherited from her parents, the rest of which she acquired thanks to her own labour. She sells her coffee to middlemen who come to her village to buy it. Her land is 30 minutes away from her house on foot, 10 minutes by car. When the time for harvesting comes, her whole family helps, in order to reduce costs and increase profits. Norma's main goal is to double her production in order to be more stable financially, so as to support her children during their studies and pay for household expenses, which would mean her husband would not need to work abroad any more. Her greatest wish is to see her family living under the same roof again. She asks for a loan in order to care for her crops: she needs to buy fertiliser and manure, and wants to hire farm hands in order to increase her production and, thus, her income, so as to reach her goals and fulfill her dreams.
View original language description ↓
Doña Norma es una señora de 37 años de edad que curso hasta el sexto grado ya que decidió dedicarse a la agricultura desde muy temprana edad. Ella es casada quien vive en E.U.A. con el fin de darle un mejor futuro a sus 4 hijos el mayor tiene 20 años y se graduó de la secundaria, la segunda tiene 16 años y está finalizando el ciclo común básico y los últimos dos son guatos con edades de 12 años y están en primaria. Ella se dedica al cultivo de café esto desde hace muchos años por lo que sabe realizar todo lo relacionado a ello mantenimiento, recolecta del grano, aplicación de abono, fertilizantes entre otros. El terreno que ella tiene una pequeña parte fue herencia de sus padres y el otro fruto de su esfuerzo. El producto lo vende a intermediarios que llegan a la localidad y sus cultivos están ubicados aproximadamente a 30 minutos de camino y 10 en carro. Llegada la recolección del grano se involucran todos los miembros de la familia esto con el fin de disminuir los gastos y aumentar las ganancias.
Su mayor meta es duplicar el volumen de sus cultivos para así tener una mayor estabilidad económica apoyar a sus hijos en sus estudios y demás necesidades para que su esposo regrese del extranjero y lograr que su familia vuelva a estar unida.
El financiamiento que hoy solicita será invertido en el mantenimiento de sus cultivos de café permitiendo la compra de abono, fertilizantes y pagar mano de obra, para ayudar a mejorar sus producciones y así sus ingresos que le permitirán realizar sus sueños y metas personales.

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
  • 95
    View loans »
    Honduras Loans Fundraising
  • $8,680,050
    Funds lent in using Kiva
  • 20.4
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,425 helped Norma to buy agricultural supplies and to hire farm hands to help her harvest her coffee crops.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Dec 19, 2013
Listed
Dec 23, 2013
Currency Exchange Loss:
Possible
Ended:
Apr 16, 2014