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Carmen
Carmen is a 41 year old woman and mother of 3 children, 2 of whom are in school. The three of them work on different jobs in the country together with their father. She has an incomplete primary school education, which she finished up until third grade - her family is economically humble and they didn't have the necessary resources to support her.

She has a lot of experience in agricultural work. Her parents taught her how to work the land from a very young age, where coffee is grown. This is the only source of income for her family and families in the community where they live. Her customers are the different buyers who arrive to the region (owners of the benefits).

Today, she is applying for help for the purchase of agricultural supplies like manure, fertilizer, liquid plant food, among others, for the maintenance of her coffee plants. With this support, she will be able to protect her crops and they will be more safe from pests, among others.

Her goal and current endeavor is the purchase of a truck with which she will be able to fill her coffee cart where she can earn a little more. She also wants to improve the production of coffee by buying more land and planting coffee there. In this manner, she will generate more income for her family and, in the same manner, strengthen the inheritance.
View original language description ↓
Doña Carmen es una mujer de 41 años de edad madre de 3 hijos los cuales 2 de ellos estudian y colaboran los tres en las diferentes actividades de campo junto a su padre. Ella tiene un grado de educación primario incompleto el cual curso hasta su tercer grado pues su familia es humildemente económica y no contaban con los recursos necesarios para apoyarle. Tiene mucha experiencia en el trabajo de la agricultura ya que sus padres le enseñaron desde muy pequeña a trabajar la tierra donde es cultivado el café siendo este el único medio de ingreso para su familia y en muchas familias de la comunidad donde habita. Sus clientes son los diferentes compradores que llegan a la zona (dueños de beneficios).
Hoy en día ella solicita ayuda para la compra de insumos agrícolas como ser: abono, fertilizantes, foliares entre otros para el mantenimiento de sus cultivos de café ya que con este apoyo podrá proteger sus cultivos y estará más seguro de plagas entre otros. Sus metas y actual desafío es la compra de un camión con el cual ella podrá llenar su carroza de café en donde pueda ganar un poco más. También mejorar la producción de café mediante la compra de más tierra y la siembra de café en la misma generando de esta forma más ingresos para su familia y fortaleciendo de la misma manera el patrimonio.

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
  • 22
    View loans »
    Honduras Loans Fundraising
  • $8,216,525
    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 Carmen to buy agricultural supplies to nurse her coffee plants in this new season.
0% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Apr 23, 2014
Listed
May 14, 2014
Currency Exchange Loss:
Possible