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Maria Cruz
Maria is very happy, content, satisfied and grateful to God for all of the blessings that rain down every day upon her and her family, her work and her other activities and different people who surround her. Thanks to the loan she got with KIVA funds, in alliance with the COMIXMUL cooperative, she was able to buy the necessary materials to be able to help her coffee crops. Thanks to this loan, she helped maintain her crops, protecting them from weather changes, pests, and illnesses, ensuring the harvest in season. Thanks to her first coffee harvest, she was able to make good profits and pay for a part of her first loan in order to apply according to the COMIXMUL rules and refinance so she can reinvest in her coffee crops. On this new occasion, she is asking for a second loan from COMIXMUL to be able to invest again in her coffee crops by buying fertilizer, foliar spray and other products that will help keep her beans and stalks, thus avoiding contamination and destruction of her crops by pests or rust.
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Doña Maria se encuentra muy feliz, contenta, satisfecha y agradecida con Dios por las muchas bendiciones a diariamente derrama sobre ella y su familia, trabajo y demás actividades así como también las diferentes personas que diariamente la rodean; porque gracias al financiamiento obtenido con los fondos KIVA en alianza con la cooperativa COMIXMUL pudo comprar los insumos necesarios para poder asistir sus cultivos de café. Gracias a este financiamiento ella dio asistencia y mantenimiento a sus cultivos protegiendo estos de los cambios climáticos, plagas, enfermedades y asegurando la cosecha en la temporada. Gracias al primer corte de café ella logro buenas ganancias pudiendo pagar parte de su primer financiamiento para poder aplicar a las normas de COMIXMUL y re-financiar para poder nuevamente invertir en sus cultivos de café. En esta nueva ocasión ella solicita un segundo financiamiento a la cooperativa COMIXMUL para poder invertir de nuevo en sus cultivos de café mediante la compra de abono, foliares, y demás productos que ayudaran a mantener sano el grano y el palo de café evitando de esta manera la contaminación y destrucción de sus cultivos por plagas o la roya.

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
  • 51
    View loans »
    Honduras Loans Fundraising
  • $8,354,075
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,325 helped Maria Cruz to buy fertilizer, foliar sprays, and more to help her coffee crops.
1% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
At end of term
Apr 24, 2014
May 12, 2014
Currency Exchange Loss: