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Ludis Analy
Ludis is a farmer and she grows coffee. She also grows corn and beans for consumption in her home. She learned this work when she was very young as her parents worked in this profession all of her life. Ludis is very happy and very satisfied. With the financial support from her first loan, financed by the cooperative Comixmul in partnership with Kiva lenders, she was able to buy various supplies to maintain and care for her coffee plants including cleaning supplies, fertilizer application, foliar feeding, and more. She has seen excellent results in selling the beans to her customers. With this revenue, she hopes to be able to make her payment commitments.

Currently, her farm is a bit deteriorated because cutting out the beans hurts the plant and leaves them weak and exposed. For this reason she is applying for a second loan which she will invest in the purchase of fertilizer, farm clearing, land preparation and others to help improve her production and increase her business. Her greatest dream is to get her high school diploma and be able to complete a university degree so she will feel the pride of her children. She wants to set an example so that they will be professionals. She also has a goal of expanding her business to increase her revenue. She believes that she will improve her coffee farm in planting a variety that is more resistant to existing diseases, such as "el lempira" and "el café 90."
View original language description ↓
Doña Ludis es agricultora y se dedica al cultivo de café, maíz y frijoles aunque solo para consumo en su hogar actividad que aprendió a realizar desde muy pequeña ya que sus padres se dedicaron a este rubro toda su vida. Doña Ludis se encuentra muy feliz y muy satisfecha ya que con la ayuda económica de su primer financiamiento el cual fue financiado por la cooperativa COMIXMUL en alianza con los inversionistas en la plataforma de KIVA, pudo comprar los diferentes insumos para poder darle a sus cultivos de café el mantenimiento y cuidado posible como la limpieza, aplicación de abono, foliares entre otros que al final de la cosecha logro obtener excelentes resultados vendiendo el grano a sus intermediarios y recibiendo el capital esperado para poder salir con su compromiso de pago.
Actualmente su plantación quedo un poco deteriorada ya que mediante la corta del grano la planta se daña y queda débil y expuesta por lo que solicita un segundo financiamiento el cual invertirá en la compra de abono y limpia a su plantación, preparación de tierra entre otros ayudando a mejorar su producción y agrandar su negocio. Su mayor sueño es sacar su bachillerato y poder culminar una carrera universitaria y así sentir el orgullo de sus hijos y de su ejemplo para que ellos puedan ser profesionales. También tiene la meta de agrandar su negocio para mejorar sus ingresos esto cree lo lograra mejorando su plantación de café, sembrando más variedad resistente a las diferente enfermedades que existen como el lempira y el café 90.

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
  • 26
    View loans »
    Honduras Loans Fundraising
  • $8,349,000
    Funds lent in using Kiva
  • 19.7
    Honduras Lempiras (HNL) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,500 helped Ludis Analy to buy agriculture supplies to tend to and prepare her coffee crops.
2% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
At end of term
Feb 14, 2014
Feb 27, 2014
Currency Exchange Loss: