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Unido Group
In this Group: Nidelina, Juana Francisca , Santos Alfonso , Olga Doris , Daniel Lauriano , Jorge Alberto , Luz Marina *, Margarita Del Carmen , Carmen Marissela , Juan
* not pictured
Juana Francisca, is a member of the "United" Communal Bank. She is 42 years old, is married and has 4 children who are 16 years old, 12, 7 and 18 months. She lives with them and her husband in the Calpules Community. She learned to sew clothing in school. She works alone and has many years of sewing experience which allows her to make any type of garment that her clients ask for.

She doesn't have a fixed work schedule, since this depends a lot on the amount of orders that she has. Her main clients are her neighbors. With this loan she will purchase cloth, interlining, decorations, elastic, thread, buttons and zippers, among other things. With this loan she will be able to offer her clients a larger variety of fabrics and and is hopeful that her increased income will allow her to better help her husband pay for their children's student fees.

Each day her biggest challenge is to take care of her youngest child while also working. Her goal is to get ahead and he able to help her children finish their studies. Juana has been a FAMA client for several loan cycles and has always paid her loans back on time.

Translated from Spanish:

Juana Francisca, es miembro del Banco Comunal Unido, tiene 42 años de edad, es casada y tiene 4 hijos entre las edades de 16, 12, 7 y 1 año y medio, y junto a ellos y a su esposo reside en la Comunidad de Calpules. Ella aprendió a confeccionar ropa en una escuela donde enseñan a costurar. Las confecciones las realiza sola y tiene muchos años de experiencia costurando y eso le permite elaborar casi cualquier tipo de moda que le soliciten sus clientes y clientas.

No tiene un horario fijo de trabajo, ya que eso depende mucho de la cantidad de encargos que tenga, y su principal clientela son sus vecinos. El préstamo que solicita lo necesita para comprar telas, entretelas, adornos, elásticos, hilos, botones, zippers, etc. Con la ayuda de este préstamo podrá ofrecer a sus clientes y clientas mayor variedad de telas y con esto espera que sus ingresos mejoren para poder ayudar a su esposo a cubrir los gastos estudiantiles de sus hijos.

Cada día su gran desafío es cuidar a su hijo de 1 año y medio, al mismo tiempo que trabaja. Su meta es superarse y poder ayudar a sus hijos a culminar sus estudios. Juana es clienta de FAMA desde hace varios ciclos y ha cancelado sus cuotas de forma puntual.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Honduras

  • $4,800
    Average annual income
  • 70
    View loans »
    Honduras Loans Fundraising
  • $9,996,350
    Funds lent in using Kiva
  • 18.9
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A portion of Unido Group's $2,550 loan helped a member to buy dressmaking supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 24, 2011
Jul 22, 2011
Currency Exchange Loss:
Jan 15, 2012