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Clementina
Clementina is a 36 year old woman who attended high school but did not finish, studying until her third year of the basic classes. At that point she was more interested in being able to open her own business. She is the mother of a son who graduates from sixth grade this year. She also cares for three nephews who live with her now that her sister (mother of the nephews) lives in another community because of her job there.

Clementina's source of income is planting and caring for coffee, work she has been doing for 10 years. Through inheritance and family calling she learned this work from her parents who left her some property. With much work and sacrifice she has bought a second piece of land. Clementina also has a small grocery store which provides income to support her family. The land where she grows coffee is 30 minutes away by vehicle. Clementina and her husband are the only ones involved in the work.

Clementina is asking for financial help to buy fertilizers and herbicides and pay for weeding her coffee plants to improve the yield from her farm. Her goals are to be able to give her son the chance to study so that he can graduate and have better opportunities in life, to buy more land to enlarge her business, and also to strengthen her grocery business.
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Doña Clementina es una mujer de 36 años de edad, con un grado educativo de secundaria la cual no pudo terminar cursando hasta su tercer año de ciclo común básico ya que le gusto más la idea de poder aperturar su propio negocio. Ella es madre de un hijo quien se gradúa del sexto grado en este año y con ella viven tres sobrinos a quienes ella cuida ya que su hermana (madre de los sobrinos) por su trabajo vive en otra comunidad. Doña Clementina tiene como fuente de ingresos económico la siembra y cultivo de café actividad que realiza desde hace 10 años la cual por descendencia y vocación familiar aprendió de sus padres quienes le heredaron una propiedad y otra que ella con mucho esfuerzo y sacrificio ella ha comprado. Doña Clementina también tiene un pequeño negocio de abarrotería con el cual genera ingresos para darle el sustento a su familia. La propiedad donde tiene cultivado el café está ubicado a 30 minutos transportándose en vehículo involucrándose únicamente ella y su esposo. Doña Clementina solicita apoyo económico para compra de abono, herbicidas y pagar la limpia de su plantación de café mejorando de esta manera el rendimiento de su finca. Sus metas es poder dar la oportunidad a su hijo de estudiar para que pueda graduarse y tener mejores oportunidades en la vida, comprar más tierra para hacer más grande su negocio y también fortalecer su negocio de abarrotería.

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
  • 28
    View loans »
    Honduras Loans Fundraising
  • $8,239,325
    Funds lent in using Kiva
  • 21.0
    Honduras Lempiras (HNL) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,350 helped Clementina to buy agricultural supplies to aid her coffee plants.
3% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Jul 28, 2014
Listed
Aug 4, 2014
Currency Exchange Loss:
Possible