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Union Y Esfuerzo Group
In this Group: Pablo, Jose Bacilio, Selzo, Cipriano
Pablo is 30 years old, married, and has 2 children. He lives in the town of Intibucá. He has always worked in agriculture as a laborer. For 4 years, he has been growing his own potatoes, lettuce, cauliflower, broccoli, and carrots. He sells this produce in the local market. Pablo is requesting a loan as part of a group with the intention of buying seed potatoes to sow. His goal is to be able to build a house and enable his children to get an education.
The group is called Unión y Esfuerzo (Union and Effort) and has 4 members who work in agriculture and live in the same community. The total loan is for $1,425, which they will use to buy seed potatoes so they can have a source of income. In the photo, from left to right, are: Pablo in the blue t-shirt, Cipriano in the white shirt, José in the striped shirt, and Selzo in the green shirt at the right.
View original language description ↓
Pablo, tiene 30 años de edad, esta casado, tiene dos hijos, reside en el municipio de Intibucá. Siempre se ha dedicado a la agricultura, haciendo trabajos a particulares. Hace 4 años que cultiva papas, lechuga, coliflor, brócoli y zanahoria. Esta producción la vende en el mercado local. Pablo solicita un préstamo por 7,000 Lempiras en forma grupal con el propósito de comprar semillas de papa para sembrar. Tiene como meta poder construir una vivienda y darle estudio a sus hijos.
El grupo se llama Unión y Esfuerzo, que lo integran 4 miembros, quienes se dedican a la agricultura y viven en la misma comunidad. El préstamo total es por 28,000 lempiras, el cual lo utilizaran para comprar semillas de papas y poder tener una fuente de ingresos. En la foto se identifican de izquierda a derecha Así: Pablo de camiseta celeste, Cipriano de camisa blanca, José de camisa rayada y Selzo camisa verde a la derecha.

Additional Information

About Organización de Desarrollo Empresarial Femenino Financiera, S.A.

This loan is administered by Organización de Desarrollo Empresarial Femenino Financiera, S.A. (ODEF), a Kiva Field Partner in Honduras. A leader in the microfinance sector since 1985, ODEF strives to combat poverty by offering a wide array of financial services to low-income men and women. The organization works with its parent NGO, ODEF OPD, to provide training and technical assistance to impoverished microentrepreneurs. By incorporating the entire family unit in this process, ODEF OPD aims to improve the standard of living through the creation of profitable enterprises. Visit ODEF’s partner page for more information.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.


About Honduras

  • $4,800
    Average annual income
  • 38
    View loans »
    Honduras Loans Fundraising
  • $8,919,800
    Funds lent in using Kiva
  • 19.7
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A portion of Union Y Esfuerzo Group's $1,425 loan helped a member to buy seed potatoes to plant.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 17, 2014
Feb 24, 2014
Currency Exchange Loss:
Sep 17, 2014