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Bernilda
Bernilda, age 38, is a housewife, coffee farmer, merchant, and mother of two. She is grateful to God for allowing her to continue having the strength to work and to be able to send the children to the university.

She and her husband work together every day in order to get ahead. The well-being of her family is dependent upon the effort they both make. The financial support for their children to be able to go to the university is also dependent upon their efforts. When the children leave school, they involve themselves in the different field activities.

Bernilda is a coffee farmer. She and her husband learned this together several years ago. The land that they cultivate together was inherited from her parents.

She has requested a loan from COMIXMUL to buy agricultural supplies. This will help them keep their coffee protected from ‘la roya’ [coffee rust] and from other pests that damage the coffee harvest.

Her plan for the future is to be able to cultivate a greater variety of coffee. With this she will be able to sell and compete in the market in order to be able to get ahead. She also plans to some day be able to take it out of the country as a quality product. Her dream for her business and her family is to get greater production, as mentioned earlier. She also dreams of her children completing their education so that they can become excellent professionals.
View original language description ↓
Doña Bernilda tiene 38 años de edad, ama de casa, caficultora, comerciante y madre de dos por quienes agradece a Dios por permitirle tener fuerzas aun para trabajar y poder enviarlos a la universidad. En compañía de su esposo trabajan diariamente para salir adelante pues del esfuerzo que ellos dos depende el bienestar de su familia y el apoyo económico para sus hijos para que puedan asistir a la universidad mismos que al salir de sus estudios se involucran en las diferentes actividades del campo. Ella se dedica a la caficultura ya hace varios años la cual aprendió junto a su esposo y los terrenos que juntos cultivan son herencia de sus padres. Ella ha solicitado un apoyo financiero a la cooperativa COMIXMUL para poder comprar insumos agrícolas que ayuden a mantener sus cultivos de café protegidos de la roya y de otras plagas que deterioran la cosecha de café. Sus planes en un futuro es poder cultivar una mejor variedad de café con la cual pueda ofrecer y competir en el mercado para poder salir adelante y algún día poder sacarlo del país como un producto de calidad. Su sueño para su negocio y su familia es obtener una mayor producción como lo dijo anteriormente y poder completar la educación de sus hijos para que se conviertan en excelentes profesionales.

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
  • 55
    View loans »
    Honduras Loans Fundraising
  • $8,383,625
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $650 helped Bernilda to buy agricultural supplies to care for her coffee crops during this new season.
0% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
May 23, 2014
Listed
Jun 13, 2014
Currency Exchange Loss:
Possible