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Maria
Maria is a young woman of 26 who has a complete primary school education thanks to the effort and sacrifice of her parents. Later, she did not continue studying since she did not like it and decided to help her parents in the different activities that they carry out in the country. With time, Maria married and today, in the company of her husband, they make their living growing coffee. From her marriage, they have two children who study in the community school. The youngest is in first grade and the eldest is in fourth grade. Their income depends on growing coffee, since in her family by vocation they have chosen this activity.

Her clients are different intermediaries who arrive to the region. The challenges found in this activity are the different pests that affect the crop, the dropping of coffee prices in the market. Her plants are at a distance of 2.5 kilometers from her house, which she travels on foot. On occasions they drive in a car or by animal, involving only family.

Maria asks to be helped by different investors on the Kiva platform to buy: urea, 12-24-12 fertilizer, 18-46-0 fertilizer, nitrate, bayfolan and gramoxone since with these fertilizers Maria will be able to attend to 4.5 manzanas [7.78 acres] of cultivated coffee. Right now, this is impossible for them because of the lack of economic resources. Her plans for the future are to improve her crops, and her dreams are to see her family with an inheritance strengthened in assets and to see her daughters converted into professional women so that they can defend themselves in life.
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Maria es una joven de 26 años de edad, quien tiene un grado de educación de primaria completa gracias al esfuerzo y sacrificio de sus padres. Posteriormente no continúo estudiando ya que no le gusto el estudio y decidió ayudar a sus padres en las diferentes actividades que son llevadas a cabo en el campo. Maria con el tiempo se casó y hoy en día en compañía de su esposo se dedican al cultivo de café. De su matrimonio tienen dos hijos los cuales estudian en la escuela de la comunidad la menor está cursando el primer grado y la mayor cursa el cuarto grado. Sus ingresos dependen del cultivo de café ya que en su familia por vocación se han dedicado a esta actividad. Sus clientes son los diferentes intermediarios que llegan a la zona y los desafíos encontrados en esta actividad son las diferentes plagas que afectan en cultivo, la baja de precios sobre el café en el mercado. Sus cultivos están a una distancia 2.5 kilómetros de su casa de habitación a los cuales se trasladan caminando; pero en ocasiones se dirigen en carro o en bestia involucrándose solamente ellos como familia.
Maria solicita pueda ser apoyada por los diferentes inversionistas en la plataforma de KIVA para comprar de: urea, abono 12-24-12, abono 18-46-0, nitrato, bayfolan y gramoxone ya que con estos fertilizantes Maria podrá asistir 4.5 manzanas cultivadas de café que en este momento se les imposible por la falta de recursos económicos. Sus planes a futuro mejorar sus cultivos, y sus sueños ver a su familia con un patrimonio más fortalecido en bienes y ver a sus hijas convertidas en mujeres profesionales para que puedan defenderse en la vida.

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
  • 22
    View loans »
    Honduras Loans Fundraising
  • $8,218,850
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,475 helped Maria to buy agricultural supplies to help her coffee plants in this season.
0% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Apr 25, 2014
Listed
May 4, 2014
Currency Exchange Loss:
Possible