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Erika Melissa
Emelina is a 23 year old who studied in secondary school completing her third year of the common basic course. She got married to Donaldo who has been growing coffee for a number of years. They have two children. Their daughter is 5 years old and in kindergarten and their two year old son who lives in the house with them.

Her source of income is planting and growing coffee which she has done for a number of years. It is something that she learned from her parents and later did along with the man who is now her husband. The land that they work as a family is partly an inheritance from her parents and the rest belongs to her husband so with a lot of sacrifice bought it.

Their clients are the different inhabitants of the area who work selling the product as middlemen and some to for profits and stores. She has as a goal in life to expand the business and her house. She dreams of supporting her children so they can continue their studies and graduate from university so that they can have a better life. She also wants to buy a vehicle to be able to transport the coffee and leave as an inheritance for their children with the hope that they will become interested in the business.

Emelina is requesting a loan to buy agricultural inputs to assist her coffee crops which need support and maintenance for the new season. She will buy inputs like fertilizer, manure, foliar sprays amongst others which are very useful to obtain excellent results in their harvest.
View original language description ↓
Emelina es una joven de 23 años de edad quien tiene un grado de educación de secundaria el cual está incompleto cursando hasta su tercer año de ciclo común básico. Se casó con Donaldo quien se dedica a la caficultura desde hace varios años procreando dos hijos una niña de cinco años quien está en el kínder y el niño de dos años viviendo juntos en casa. Su fuente de ingreso económico es la siembra y cultivo de café la cual ejerce desde hace varios años aprendiendo dicha actividad en compañía de sus padres y posteriormente ejerciendo en compañía de su hoy en día esposo. La propiedad que en familia trabajan una parte es herencia de su padre y la otra le pertenece a su esposo la cual con mucho sacrificio ha comprado la han comprado. Sus clientes son los diferentes habitantes de la zona quienes se encargan de comercializar el producto como intermediarios, algunos beneficios y bodegas. En su vida se ha propuesto como meta ampliar el negocio y la casa. Como sueño apoyar a sus hijos que puedan continuar con sus estudios para puedan cursar y graduarse en la universidad y así mismo ellos puedan tener un mejor futuro. También poderse comprar un carro para el traslado del café y dejarles una herencia a sus hijos para tener la esperanza que ellos mismos puedan interesarse por este negocio. Ella solicita apoyo económico para la compra de insumos agrícolas para asistir sus cultivos de café los cuales necesitan asistencia y mantenimiento para esta nueva temporada comprando insumos agrícolas como fertilizantes, abono, foliares entre otros que son de gran utilidad para obtener excelentes resultados sobre la cosecha.

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

  • $4,200
    Average annual income
  • 29
    View loans »
    Honduras Loans Fundraising
  • $8,146,250
    Funds lent in using Kiva
  • 21.1
    Honduras Lempiras (HNL) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $300 helped Erika Melissa to buy agricultural inputs for her coffee crops.
0% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Aug 11, 2014
Listed
Aug 21, 2014
Currency Exchange Loss:
Possible