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Enma
Enma is 43 years old. She is a woman who finished primary school. She is in a common law marriage with her husband, with whom she has 3 children. The two oldest help with the farm work and the business and one of them goes to the community school. Her source of income and only business is growing coffee. She has done this for 20 years. She started with her father who left her a parcel of land where she still grows this precious product. This work has been the main source of income for many generations of the families that live in the area where they live. Her customers are buyers from the nearby areas. Her property is located very close to her home, about five minutes away. Her plans and goals as a producer are to improve her property and also to buy other parcels of land so she can cultivate them and leave them to her her children so that they can have their own sources of income. Over time, they will benefit because there will be more profits and their parents can pay for their education. That's why she has asked for financial help to be used to buy fertilizers and insecticide, as well as to pay for labor costs, among other activities to improve her crops. Good maintenance will be achieved and her goal and faith is that she will obtain a good harvest and therefore good income to help improve and and her family's quality of life. She is also very committed to making the payments.
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Doña Enma tiene 43 años de edad es una señora que tiene un nivel educativo de primaria completa la cual su relación sentimental es en unión libre con su pareja con el cual tienen 03 hijos quienes los dos mayores ayudan en el trabajo de campo y el negocio y uno asiste a la escuela de la comunidad. Su fuente de ingreso económico y único negocio es el cultivo de café el cual desde hace 20 años comenzó junto a su padre quien también le heredo una parcela de tierra donde hasta la fecha sigue cultivando este preciado producto. Este rubro ha sido por muchas generaciones la fuente principal de ingresos de su familia y de las familias de la zona donde habitan. Sus clientes son compradores y beneficios cercanos a la zona y su propiedad está ubicada muy cerca de su vivienda a unos 5 minutos. Su planes y metas como productora son mejorar su propiedad también poder comprar otras parcelas de tierra para poder cultivarlas y heredar a sus hijos para que ellos puedan tener su propia fuente de ingresos. Con el tiempo ellos serán beneficiados ya que habrá mayores utilidades para que sus padres puedan disponer para su educación. Es por ello que solicita apoyo económico para poder ser utilizado en la compra de fertilizantes, insecticidas pago de mano de obra, entre otras actividades las cuales mejoraran sus cultivos debido al buen mantenimiento que será dado y su meta y fe es que obtendrá buena cosecha y por ende buenos ingresos que ayudaran para mejorar la calidad de vida de ella y su familia al igual que su compromiso de pago.

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
  • $8,365,525
    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 Enma to buy agricultural materials and to pay for labor to help her coffee crops.
0% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Jul 4, 2014
Listed
Jul 14, 2014
Currency Exchange Loss:
Possible