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.
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.
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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This loan has been fully funded!