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Bilma Del Carmen
Bilma is a 27 year old young woman who has worked in agriculture, the sowing of coffee and vegetables (cabbage) for many years. Her family also has worked in agriculture for many generations to generate income. She is the mother of three school aged children, the oldest is in 5th grade, and the other two are in pre school. Her husband who works in the fields is her only support. He also comes from a hard working and humble family that has also worked growing coffee. In this type of job challenges are the order of the day, you can't depend on the necessary supplies, the care and protection of them, the rise and fall of the prices in the market for the supplies, or the climate among others. Bilma on this occasion is requesting financial support for the purchase of farming supplies to attend to her vegetable crops giving them the appropriate maintenance: buying compost, insecticides, preparing the land, buying and sowing seeds. It will help her improve the economy in her home at the moment of sale and help her crops not to be affected by the Paratrioza (plague). Her goals are earning profits through the sale of the product even if it's not much but what is necessary to satisfy her commitment, to be able to continue being supported by the funds, get ahead in life with her family who depends on the income from the sale of vegetables and coffee, and to have improved well-being.
View original language description ↓
Bilma es una joven de 27 años quien se dedica a la agricultura la siembra de café y hortalizas (repoyo) desde hace muchos años ya que su familia por generaciones también se ha dedicado a esta actividad para generar ingresos económicos. Ella es madre de 3 hijos quienes estudian en la escuela la mayor está en quinto año de primaria y los otros dos en pre-escolar. Su esposo quien trabaja en el campo es su único apoyo el cual también desciende de una familia trabajadora y muy humilde que se ha dedicado a la siembra y cultivo de café. En este tipo de trabajo los desafíos están a la orden del día si no cuentan con los insumos necesarios para el cuidado y protección de los mismos, también la baja y alza de los precios en el mercado sobre los insumos, el clima entre otras.
Bilma en esta ocasión solicita apoyo financiero para la compra de insumos agrícolas para asistir sus cultivos de hortalizas dando el mantenimiento adecuado, comprando abono, insecticidas, preparación de tierra compra de semilla y sembrando la misma lo cual ayudara a mejorar la economía en su hogar al momento de su venta y evitara que sus cultivos sean infectados por la paratrioza. Sus metas son la obtención de ganancias sobre la venta del producto aunque sea poco pero lo necesario para salir de su compromiso para poder seguir siendo apoyada por los fondos y superarse en la vida y con su familia la cual depende de los ingresos que se generan con la venta de hortalizas y café para tener un mejor bienestar.

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
  • 60
    View loans »
    Honduras Loans Fundraising
  • $8,395,150
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,050 helped Bilma Del Carmen to purchase farming supplies, among other things, to protect for vegetable crops.
0% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
May 26, 2014
Listed
Jun 10, 2014
Currency Exchange Loss:
Possible