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Elvia Margarita
Elvia is 37 years old and her family consists of her husband who works in agriculture and with livestock, and her three children, 2 of whom are females. She is a very caring person and proud of her three children because they are good people and good students. Elvia started her small store in 2005 and named it Gerson Store which operates from 7AM until dusk. Her greatest advantage is that there are no other convenience stores in the community and her neighbors carry out their daily shopping at her store. Ultimately, her sales have dropped due to the daily increasing cost of staple goods. Elvia solicits a loan to purchase: rice, lard, sausages, milk, soft-drinks, sugar, beans, sweets, bread, and churros amongst other things. By having support from the loan she can then stock more and varied products which will allow her customers to always find what they need. Her goal is to help her children with school although she fears they may not be able to find employment upon graduation which is why she hopes they establish a business of their own just like her. This is Elvia's first loan with FAMA and she expects to make punctual payments.
View original language description ↓
Doña Elvia tiene 37 años de edad, su familia esta integrada por su esposo que se dedica a la agricultura y ganaderia, y sus tres hijos de los cuales dos son mujeres. Ella es una persona muy simpatica y muy orgullosa de sus tres hijos porque son muy buenas personas y muy buenos estudiantes. Elvia inició con su pequeña pulperia en el 2005 y le dio el nombre de Pulperia Gerson, la cual atiende desde las 7:00 am hasta la tarde-noche. Su mayor ventaja es que no hay mas pulperias en la comunidad y sus vecinos realizan las compras diarias en su negocio, aunque ultimamente sus ventas han bajado ya que cada dia los productos de la canasta basica son mas caros. El prestamo que Doña Elvia solicita lo necesita para la compra de arroz, manteca, embutidos, lacteos, refrescos, azucar, frijoles, dulces, pan, churros, entre otros. Con el apoyo del prestamo podra surtir de mas y variados productos y con ello sus clientes siempre encontraron lo que necesitan. Su meta es apoyar a sus hijos con el estudio, aunque siente un poco de temor de que al graduarse no encuentren un empleo, asi que espera que ellos se decidan a tener un negocio propio al igual que ella. Este es el primer ciclo de Doña Elvia en FAMA y espera cumplir de manera puntual el pago de sus cuotas.

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
  • 53
    View loans »
    Honduras Loans Fundraising
  • $9,870,800
    Funds lent in using Kiva
  • 18.8
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Elvia Margarita to purchase groceries in general.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 28, 2011
Aug 19, 2011
Currency Exchange Loss:
Aug 16, 2012