Jose is 43 years old, married and has two children. He lives in a village in Nuevo Celilac, in Santa Bárbara. Jose has always made a living growing basic grains. For 15 years he has been growing coffee which he sells with the husks on to local markets. Jose is applying for his sixth loan - as part of a group -for 25,000 Lempira in order to buy fertilisers and to keep his coffee farm clean, and provide shade in order to have a better harvest. Jose's future plan is to expand his coffee plantation and give his family the best he possibly can.
Jose is a member of the "13 de Mayo SB" group. This group has four members, all of whom live in the same area and make a living growing coffee and basic grains. The total group loan is for 70,000 Lempira and will be used to look after coffee plantations. In the photo, In the photo, from left to right, are Jose, Juan, Dionisio and Joel.
Jose, tiene 43 años de edad, esta casado, tiene 2 hijos y vive en una aldea de nuevo Celilac, Santa Bárbara. Don José siempre se ha dedicado al cultivo de granos básicos, lleva 15 años de dedicarse al cultivo de café el cual vende en pergamino a los mercados locales. Ha solicitado el sexto ciclo de préstamo en forma grupal, en lo personal solicita 25,000 lempiras para comprar fertilizantes, y realizar actividades de mantenimiento de la finca en limpieza y regulación de sombra para sacar mejor cosecha. Su plan es ampliar sus parcelas de café y darle lo mejor a su familia.
El grupo a que pertenece se llama 13 de Mayo S.B. que esta integrado por cuatro miembros, que viven en la misma zona y se dedican al cultivo de café y granos básicos. El préstamo grupal es por 70,000 Lempiras, para darle mantenimiento a la finca de café. En la foto don Jose esta a la izquierda con camisa azul, Juan, Dionisio y Joel de cuadriculado y sombrero a la derecha.
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.