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Santos Emilio
Santos Emilio Munguía Ramos is 33 years old and lives in the neighborhood of El Centro in San Esteban municipality, Olancho. He lives with his wife, who takes care of the home, and their 4 children, ages 9, 8, 6, and 3. Santos owns a small store that he attends to everyday from 6:00 a.m. to 8:00 p.m.

He and his wife work hard, with the goal of providing for their children's basic needs. Santos requests this loan so that he can buy a greater quantity of products and keep his store well-stocked. With the help of this loan, he will be able to buy merchandise at wholesale prices, so that he can increase his inventory while offering lower prices to this customers.

Santos dreams of expanding his business to other locations in his community, thereby increasing his income and providing his children with the education they need to have better opportunities to develop in life.
View original language description ↓
Santos Emilio Munguía Ramos tiene 33 años de edad, reside en el Barrio El Centro, en el Municipio de San Esteban, Olancho. Vive junto a su esposa la cual se dedica a los quehaceres del hogar y sus cuatro hijos de 9, 8, 6 y 3 años. Santos posee una pequeña pulpería que atiende todos los días desde las 6:00 am hasta las 8:00 pm. Él trabaja junto a su esposa con el deseo de poder brindarles a sus hijos todo lo básico y necesario para su sostenimiento. Él solicita este préstamo para poder comprar una mayor cantidad de productos y así mantener bien surtida su pulpería. Con el apoyo de este préstamo Santos podrá comprar al contado la mercadería que necesita para incrementar su inventario y así mejorar el precio de venta para sus clientes. Sus sueños son poder extender su negocio a otros lugares de la comunidad y obtener más ganancias para poder brindarles a sus hijos la educación que necesitan para tengan mejores oportunidades de desarrollarse en la vida.

Additional Information

About FAMA:

Honduras is one of the poorest countries in the Western Hemisphere with approximately 59% of people living below the poverty line. Familia y Medio Ambiente OPDF (FAMA OPDF) is a Honduran non-profit with no religious or political affiliation. FAMA’s mission is to provide quality and opportune financial services so that men and women have equal opportunities to develop their micro or small businesses, whether they focus on agriculture, manufacturing or services. FAMA operates 13 branches throughout Honduras and serves over 12,500 clients.

About Honduras

  • $4,800
    Average annual income
  • 34
    View loans »
    Honduras Loans Fundraising
  • $9,990,725
    Funds lent in using Kiva
  • 18.9
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Santos Emilio purchase sugar, lard, beans, rice, pasta, churros, soft drinks, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 23, 2010
Sep 26, 2010
Currency Exchange Loss:
Oct 15, 2011