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Zoila Esperanza
Doña Zoila is very happy, very satisfied, and very glad because thanks to the financial support by the KIVA investors, in partnership with the COMIXMUL cooperative, she was able to buy the supplies that were needed for her coffee crops, providing a greater and better support so that the crops would be protected from plagues, climate change, etc.

Thanks to the first loan her life improved, given that at the beginning she did not have the financial resources to be able to buy the supplies that she needed; and thanks to the trust that the cooperative put on her and taking her into account with such loan, she bought manure, foliar fertilizers, and fertilizers with which she gave maintenance and support to her coffee crops, managing to obtain excellent earnings from her crops and being able to catch up with her funding.

She is again asking to be backed with a second loan, which she will invest in being able to give support and maintenance to her coffee crops, because after harvesting the plants are left a bit battered and deteriorated, as well as cleaning of the same weeds, among other things.
View original language description ↓
Doña Zoila se encuentra muy feliz, muy satisfecha, muy contenta porque gracias al apoyo financiero por los inversionistas en KIVA en alianza con la cooperativa COMIXMUL ella pudo comprar los insumos que eran necesarios aplicar a sus cultivos de café, dando una mayor y mejor asistencia para que estos estuviesen protegidos de plagas, cambios de clima, etc. Gracias a su primer financiamiento su vida mejoro ya que en un principio no tenía los recursos económicos para poder comprar los insumos que necesitaba y gracias a la confianza que la cooperativa depósito en ella y tomándola en cuenta con dichos fondos compro los abonos, foliares, fertilizantes con los que dio asistencia y mantenimiento a sus cultivos de café logrando obtener excelentes ganancias sobre su cosecha y pudiendo ponerse al día con su financiamiento. Ella nuevamente pide ser apoyada con un segundo financiamiento el cual invertirá en poder dar asistencia y mantenimiento a sus cultivos de café ya que después de la corta las plantas quedan un poco maltratadas y deterioradas así como también la limpieza de la misma de maleza entre otras.

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

  • $4,800
    Average annual income
  • 67
    View loans »
    Honduras Loans Fundraising
  • $8,631,200
    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 $1,475 helped Zoila Esperanza to buy agricultural supplies to attend her coffee crops.
0% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
At end of term
May 28, 2014
Jun 17, 2014
Currency Exchange Loss: