Check out some available loans that are similar to this one!
Irma Estela
Irma, like many people in her community, only finished her primary education because her parents lacked economic resources and in her youth she preferred to help her mother at home and her father in the fields. She is married and along with her husband makes a living cultivating coffee as a means to survive and cultivating basic grains to consume. This pair has four children who are already adults. One of them is a nurse but still lives under her parents’ roof. Her other children decided to study until the sixth grade of primary school and make a living working independently.

Irma Estela has worked for fifteen years cultivating coffee, a trade that she learned watching her father and that she developed over time. Her husband’s parents left them 14,000 square meters of land to cultivate and to be able to come out ahead. This land is located about ten minutes from their home when walking, a route that is difficult to cross since it is very steep. During harvest time, she and her husband are the ones take on the coffee harvest, a job that is very difficult for the two of them because of which they have to pay farmhands to complete this work. When the harvest period end, she sells the coffee to intermediaries who upset her a lot since they pay a lower price for the coffee on occasion, taking advantage of her necessity, and also some alter the scales so that the coffee weighs less.

Her goal is to increase and improve her crops and so help her children to come out ahead as great coffee producers with a higher standard of living. For this, she hopes to be supported to be able to reach her aspirations since her profits are invested into the cultivation of basic grains for her and her family’s consumption, which reduces her food expenses. She had to cut down many coffee plants when the blight attacked them, for which she needs financing to fertilize this new crop, which will increase her production since she will have a higher quantity of coffee plants. She comments that her highest necessity is to fertilize her crops to improve her income.
View original language description ↓
Doña Irma como muchas personas en su comunidad curso únicamente solo su educación primaria; porque sus padres carecían de recursos económicos y en su juventud a ella le gusto más ayudarle a su madre en el oficio de la casa y a su padre en el campo. Ella es casada y junto a su esposo se dedica a cultivar café como medio de supervivencia y al cultivo de granos básicos para consumo. Esta pareja tienen cuatro hijos los cuales ya son mayores una de ellas es enfermera pero aún vive con ella bajo el techo de sus padres, sus demás hijos decidieron llegar hasta sexto año de educación primaria y dedicarse a trabajar de forma independiente. La socia Irma Estela tiene quince años de dedicarse al cultivo de café, oficio que aprendió viendo a su padre y que fue desarrollando con el tiempo. Los padres de su esposo les heredaron el terreno donde ahora viven con su familia y sus padres le heredaron dos manzanas de terreno para cultivar y poder salir adelante. Esta se encuentra ubicada a unos diez minutos caminando desde su casa de habitación trayecto que es difícil de cruzar ya que es muy empinado y para tiempo de corta ella y su esposo son los que se encargan de recolectar el café tarea que es muy pesada para ellos dos por lo que tienen que pagar mozos para realizar esta actividad. Cuando finaliza el periodo de corta ella vende el café a personas intermediarias las cuales las afectan mucho ya que le pagan el café a un bajo precio en ocasiones aprovechándose de la necesidad además de que algunos alteran las básculas para que el café pese menos.
Ella tiene como meta ampliar y mejorar sus cultivos y así ayudar a sus hijos a salir adelante, como unos grandes productores de café, con otro nivel de vida por lo que espera ser apoyada para llegar a alcanzar sus ideales ya que las ganancias obtenidas son invertidas en el cultivo de granos básicos para el consumo de ellos y de su familia ya que esto les aminora los gastos de alimentación. Ella tuvo que cortar muchas plantas de café cuando la enfermedad de la roya las ataco por lo que ella necesita financiamiento para abonar esta nueva plantación mejorando su producción ya que tendrá una mayor cantidad de plantas de café comentando que su mayor necesidad es abonar sus cultivos para mejorar sus ingresos.

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
  • 19
    View loans »
    Honduras Loans Fundraising
  • $8,346,875
    Funds lent in using Kiva
  • 19.3
    Honduras Lempiras (HNL) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,500 helped Irma Estela to purchase agricultural products that help her to improve her coffee crops.
0% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Mar 11, 2014
Listed
Mar 21, 2014
Currency Exchange Loss:
Possible