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Marlen Xiomara
Marlen is thirty-three years old. She studied through high school and graduated with a beauty technician degree. She is thankful to God for all the blessings that He has given to both her and her family. She works independently and set up a small hair salon in her community thanks to the efforts and sacrifice she has made together with her husband; they have been married for two years. Her husband helps her out with the farm work while she is at the beauty salon. They specialize in growing chayote, and together they want to begin growing beets in order to diversify and offer more products to their clients. As a couple, they still do not have any children; they want to make good income first so that they may give their future children a good life and a good education. Both Marlen and her husband come from very humble and perseverant families.

The products that Marlen sells are very popular because of their quality. She is able to sell more during festive seasons and weekends, since it is a custom in many families to buy vegetables on the weekends to give great flavor to the weekend soups. Her greatest challenges are plant diseases and low prices. Competition is not a problem for her since she feels that her customers have been with her for a long time and are therefore faithful to her; they also appreciate the transparency with which Marlen conducts her business.

One of Marlen's advantages is that her crops are located close to her house, which allows her to offer a greater level of attention and technical assistance to her crops and to avoid losing crops to disease, deterioration, and thieves.

Her plan is to grow production by buying more land in order to grow on a larger scale. This will permit her to supply the local markets, to generate greater profits, and to save money so that she can ensure a stable economic situation for her future children.

For these reasons, she is requesting financing in order to grow her beet crops, preparing the land so that it is well-suited for beets while also improving her chayote crops. Presently, Marlen and her husband make the plant nurseries in the earth. Because they are lacking funds, they have not bought the small boxes that would allow them to transplant the seedlings without damaging the roots or plants.
View original language description ↓
Doña Marlen tiene una edad de 33 años quien estudio la secundaria completa graduándose con una carrera técnica como lo es belleza dando gracias a Dios por las muchas bendiciones que él ha derramado sobre ella y su familia. Ella trabaja de forma propia ya que pudo formar su pequeño salón en su comunidad gracias al esfuerzo y sacrificio en compañía de su esposo con quien tiene 2 años de casada quien la apoya en los trabajos de campo cuando ella está en su negocio especializándose en la siembra de pataste y que hoy en día juntos quieren implementar la siembra de remolacha para diversificar su producto y ofrecer algo más a sus clientes. Ellos como pareja aun no tienen hijos ya que quieren tener un buen ingreso para darles una buena vida y una buena educación ya que ellos descienden de familias humildes y luchadoras. El producto que ella vende es popular por su calidad y se vende más en temporadas festivas y fines de semana ya que es costumbre en muchas familias la compra de verduras los fines de semana para dar sazón a las sopas los fines de semana. Su desafío son las plagas y los precios bajos ya que la competencia no es un factor problema siendo sus clientes fieles por el tiempo de trabajar con ella y por la transparencia que ella ofrece al momento de negociar. Como ventaja sus cultivos están ubicados al par de su casa permitiendo esto dar una mejor atención y asistencia técnica para evitar el contagio y deterioro del producto así como también el robo del mismo.
Sus planes ampliar la producción, comprar más tierra para cultivar en mayor cantidad y en escala para poder surtir el Mercado insatisfecho de tal manera que pueda generar mayores ingresos y poder ahorrar para asegurar el futuro de sus hijos ya con una economía estable.
Por lo que hoy en día ella solicita financiamiento para poder llevar a cabo la siembra de remolacha tecnificando la tierra de manera que pueda estar bien asistida, así como también mejorar la producción de pataste ya que actualmente los viveros los hacen en arriates en la tierra y por falta de dinero no ha comprado cajas para viveros para poder trasplantar y no dañarlo ni la raíz ni la planta.

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.

Tags

About Honduras

  • $4,800
    Average annual income
  • 74
    View loans »
    Honduras Loans Fundraising
  • $8,633,625
    Funds lent in using Kiva
  • 19.9
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,475 helped Marlen Xiomara to buy farming supplies in order to grow beets.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Jan 24, 2014
Listed
Feb 24, 2014
Currency Exchange Loss:
Possible
Ended:
May 17, 2014