A few years after [finishing school], Lilian got pregnant and had her son, who is now 10 years old and in 6th grade at the local school.
Lilian works with her husband in the coffee fields. His family has worked in agriculture, mostly coffee, for many generations, and he taught Lilian to work the fields. They cultivate coffee and basic grains, but only sell the coffee and use the basic grains for personal consumption. During harvest time they also feed their family members and neighbors who come to help her husband harvest the coffee. Sometimes they even bring people in from other areas.
Their zone is very well-suited for coffee cultivation, and coffee is the only sure form of employment in the area. Both Lilian and her husband put a lot of effort into ensuring that they don't have to work anybody else's land. The land they cultivate is their own, and it was inherited from her husband's parents. Their home is constructed right on the land.
Lilian hopes that their son, and any future children, will be able to study and fulfill her dream of preparing themselves academically, since she was not able to do so herself. She also dreams of maintaining and growing their crop. Because the likelihood of disease is so high, her goal is to plant the entire property with a type of coffee that is more resistant to fungus, such as the "90" and the "lempira". This way she'll be able to leave the children with a piece of land without problems. Because jobs are scarce, having this land, and a place to live, will give them economic security and a better quality of life.
Lilian requests a loan to invest in the maintenance and care of the coffee crops, because after the harvest season the plants remain uncared for. She wants to buy fertilizers and urea to fertilize the plantation. She will also prune the older and damaged plants, giving them a good cleaning. To do all this she needs capital, especially to hire labor.
Lilian desea que su hijo y los futuros hijos estudien, cumplan su sueño de prepararse académica mente ya que ella no pudo seguir estudiando. También sueña con mantener y extender sus cultivos ya que con tantas enfermedades que surgen tiene como meta sembrar en toda la propiedad un tipo de café más resistente a la roya como el 90 y el lempira. Así dejar a sus hijos la tierra sin ningún problema para que se defiendan económicamente y tengan un mejor nivel de vida, un lugar donde vivir porque el trabajo esta escaso. Por lo que Lilian solicita financiamiento para invertirlo en el mantenimiento y cuidado de sus cultivos de café ya que después de la temporada de corta las plantas quedan descuidadas. Por lo cual quiere comprar fertilizantes y urea para abonar la plantación además podar las plantas que ya son viejas y que están dañadas, darle una limpieza de la misma por lo cual necesita capital para hacer estas actividades incluida la mano de obra.
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.
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