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Graciela is 24 years old and single. She lives with her mother in a village in Tela Atlántida. She is a very enterprising person.

She started her business selling costume jewelry like earrings, chains, and watches to her school colleagues at the university. As that went very well for her she started to buy perfume, lotion, fine jewelry, clothes, beauty products, and other types of merchandise that she has orders for. This has generated income to cover her household expenses. It has also covered all of her university expenses; she is about to graduate.

She buys some merchandise that is from abroad, and she sells it for a better price. This is all done by order.

Her goal is to finish her education and to have a store that is well-established with merchandise in a place that is strategic for sales.
View original language description ↓
Graciela de 24 años de edad, soltera, vive en una aldea de Tela Atlántida. Vive con su madre.
Es una persona muy emprendedora. Comenzó su negocio con los compañeros de estudio de la universidad, vendiéndoles productos de fantasía fina como, aretes, cadenas, relojes, y como le fue muy bien, se motivó y empezó a comprar perfumes, lociones, joyería fina, ropa, productos de belleza y otro tipo de mercadería que le encargan y así ha generado sus ingresos para cubrir gastos de su casa y ha cubierto todos sus gastos de la universidad, ya está por graduarse.
Compra alguna mercadería que traen del extranjero y la vende a mejor precio, todo por encargo.
Su meta es terminar sus estudios y llegar a tener una tienda ya establecida de mercadería en un lugar estratégico para la venta.

Additional Information

About Organización de Desarrollo Empresarial Femenino Financiera, S.A.

This loan is administered by Organización de Desarrollo Empresarial Femenino Financiera, S.A. (ODEF), a Kiva Field Partner in Honduras. A leader in the microfinance sector since 1985, ODEF strives to combat poverty by offering a wide array of financial services to low-income men and women. The organization works with its parent NGO, ODEF OPD, to provide training and technical assistance to impoverished microentrepreneurs. By incorporating the entire family unit in this process, ODEF OPD aims to improve the standard of living through the creation of profitable enterprises. Visit ODEF’s partner page for more information.

About Honduras

  • $4,800
    Average annual income
  • 33
    View loans »
    Honduras Loans Fundraising
  • $9,990,725
    Funds lent in using Kiva
  • 19.0
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Graciela to buy products to sell like clothes, shoes, jewelry, and beauty products, etc.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 25, 2011
Oct 31, 2011
Currency Exchange Loss:
Apr 18, 2013