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Irma
Irma, 43, is a farmer and a housewife. She finished only the first years of elementary school because she did not like to study. She is the mother of 5 children, of whom 2 are dependent upon her. The other children have their own homes. The oldest child living with her is 18 and has a 6th grade education, and the other is 6 years old and is in 5th grade. Irma also lives with her mother-in-law, who is very sick, and she cares for her.

For 10 years, Irma has been growing coffee to sell after the harvest to the warehouses in her community. She uses the earnings to improve the variety of coffee that she cultivates on her property, so that it can become more productive. Some of her coffee crops are located close to her house, and she can get to them easily by walking. Her other plantings are outside of her community, and it takes 15 minutes of walking and 5 minutes by car to get there. During the harvest, all of the members of her household get involved.

One of Irma's goals is to improve her farms by planting more of a variety that is resistant to the diseases that attack coffee plants. She also wants to expand her plantations so that she can leave her children a decent inheritance and use her earnings to start up a grocery store to increase her income. This is why she is requesting financial support at this time to buy organic and chemical fertilizers and to pay for labor to clear the land and apply these products to her crops. This will help her to care for her crops betters so that she can increase her production.
View original language description ↓
Doña Irma de 43 años de edad es una agricultora y ama de casa, curso solo su primer años de primaria ya que no le gusto el estudio, es madre de 5 hijos de los cuales dos dependen de ella ya que los demás están en hogares a parte, el mayor tiene 18 años y curso el sexto grado de primaria, el segundo tiene 6 años y está en primer grado viviendo con ella su suegra quien está muy enferma y ella la cuida. Desde hace 10 años se dedica al cultivo de café mismo que es vendido al final de cada cosecha en bodegas en su comunidad utilizando las ganancias para mejorar la variedad del café cultivado en su propiedad y que esta sea más productiva. Una parte de su cultivo de café está ubicada cerca de su casa a la cual fácilmente se desplaza caminando y la otra esta fuera de su comunidad a 15 minutos caminando y 5 en vehículo llegada la corta se involucran todos los miembros de su casa.
Una de las metas de doña Irma es mejorar sus fincas sembrando más variedad resistente a las enfermedades que atacan el café, agrandar sus cultivos para dejarles un patrimonio digno a sus hijos y con las ganancias tiene planeado instalar una pulpería para mejorar sus ingresos. Por lo que hoy solicita apoyo económico para la compra de abono, fertilizantes y pagar mano de obra para la limpieza y aplicación de los mismos ayudando a mejorar la producción y el cuidado de la misma.

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.

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About Honduras

  • $4,200
    Average annual income
  • 23
    View loans »
    Honduras Loans Fundraising
  • $8,153,025
    Funds lent in using Kiva
  • 19.2
    Honduras Lempiras (HNL) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,050 helped Irma to buy agricultural supplies and to pay for farmhands.
3% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Mar 24, 2014
Listed
Mar 31, 2014
Currency Exchange Loss:
Possible