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Irma Mercedes
Irma, 48 years old, is married and the mother of six children. Her children live with and depend on her in every aspect. They are all in elementary or high school. Irma finished the second grade of elementary school. She makes a living growing coffee plants. She has worked like this her whole life because her parents were also farmers and taught her to work the land at an early age.

Irma owns the land she farms on. Her family helps her to develop it and to maintain her coffee crops. Irma currently wants to avoid plagues and contaminants that could damage her crops, which for the moment are doing very well. She needs the support of lenders in order to carry out the purchase of fertilizers and composts that will help to keep her crops safe and strengthen her farm now that the days in which the plants flower are drawing near. Irma's plans for the future include increasing her plots of land, cultivating a better and larger variety of coffee, and generating better income with which to help her family. She hopes to continually improve her work, which is the only source of income in her community and in her family.
View original language description ↓
Doña Irma tiene 48 años de edad casada y madre de 6 hijos los cuales viven en casa y dependen de ellos en todos los aspectos mismos que estudian en la escuela y colegio de la comunidad. Ella tiene un grado de educación primario cursado hasta el segundo grado y se dedica la cultivo y siembra de café desde toda la vida siendo sus padres agricultores y mismos que le enseñaron a trabajar la tierra a temprana edad. La tierra que poseen es propia y en las actividades del campo se involucra la familia para poder llevar a cabo un mejor desarrollo sobre las diferentes actividades a desarrollar para dar asistencia y mantenimiento a sus cultivos de café.
Doña Irma actualmente quiere evitar un daño a sus cultivos los cuales hasta el momento van muy bien si contaminación de plagas o enfermedades como la roya y lo que necesita es el apoyo de los inversionistas para llevar a cabo la compra de fertilizantes y abonos ya que eso mantendrá más segura y más fuerte la plantación en estos días que se acercan por los cuales florecerán. Sus planes para el futuro es incrementar sus parcelas de tierra, cultivar una mejor y mayor variedad de café, generar gracias a ello mejores ingresos que conlleven al mejoramiento continuo en su familia y en su trabajo pues este rubro es la única fuente de ingresos en la comunidad y en su familia.

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
  • 18
    View loans »
    Honduras Loans Fundraising
  • $8,225,225
    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 Irma Mercedes to buy farming supplies to help with her coffee crops.
0% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
May 15, 2014
Listed
May 29, 2014
Currency Exchange Loss:
Possible