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In 1994, Rony started breeding bees, which increased his management experience. The first project had five bee colonies, which helped him to generate a significant amount of income. Rony is now known in Hinche for selling honey, Cremas, and peanut butter to local markets. He currently has around 100 bee colonies throughout Hinche and Cerca-Carvajal. This was a big step in developing other products such as peanut butter, cremas, and wine. However, he has found it difficult to gain access to capital to reinforce its operation. The purpose of the loan request is to enable the business to increase its production capacity.

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This loan could be made to a small and growing business (SGB) or a cooperative.  Please note that due to the risky nature of lending to SGBs and cooperatives, a market segment that is generally not served by microfinance organizations, Zafèn loans carry a significantly higher level of repayment risk than most other Kiva loans. The program has a repayment target of 70%, well below that of Fonkoze’s other portfolios. Lenders who choose to fund Zafèn loans should be aware of this risk.


About Fonkoze - Zafèn:

Fonkoze is Haiti’s largest microfinance institution, offering a full range of financial and development services to Haiti’s rural poor. Zafèn is a program created by Fonkoze to provide soft loans, training and support for small and growing businesses in Haiti. Soft loans are loans that are below the market rate of interest.

Zafèn loans are now crowd funded on Kiva, which will reduce website maintenance costs for Fonkoze and allow more Zafèn loans to be funded faster. It will also allow the program to cover more of its costs and move towards self-sufficiency.

More details and information on the projects are available on


About Haiti

  • $1,300
    Average annual income
  • 0
    View loans »
    Haiti Loans Fundraising
  • $1,960,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD