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Ana Cristina
Ana Cristina, age 22, is married, and her husband is a farmer. They have two children, ages 3 and 1. She lives in the Santa Cruz de Yojoa municipality.

Ana has a business, a grocery store that she established three years ago with her own means. She wanted to work at a business activity that would allow her to be there to take care of her children. That was when that she thought of working independently. She set up her store where she offers her customers food products like flour, sugar, lard, rice, beans, meat, dairy products, and soft drinks, among others.

She says that she has a lot of customers. Since she started her business it has improved, little by little, with the help of the loans she has received from ODEF. She tends to her business every day of the week. She starts very early in order to give her customers good service.

She is requesting her third loan for 26,000 lempiras to buy more food products like basic grains, dairy products, and soft drinks, etc. With this investment she will manage to offer a variety of products to her clientele and to improve her income.

Her plan is to continue improving in her business. She will do this in order to continue generating the income that has so far allowed her to support her children. She will also do this to have financial solvency so that her children will be able to go to school in the future.
View original language description ↓
Ana Cristina tiene 22 años de edad, es casada y su esposo se dedica a la agricultura, con el cual procreo 2 hijos de 3 y 1 año de edad, y vive en el municipio de Santa Cruz de Yojoa.
Ana cuenta con un negocio de una pulpería que estableció hace 3 años con sus propios medios. Ella quería trabajar en una actividad que le permitiera siempre estar al cuidado de sus hijos. Fue entonces que pensó trabajar en lo propio instalando la pulpería donde ofrece a sus clientes productos alimenticios como harina, azúcar, manteca, arroz, frijoles, carnes, lácteos, refrescos entre otros. Manifiesta que tiene muchos clientes y que desde que empezó su negocio ha mejorado poco a poco con la ayuda de los financiamientos que ha recibido por parte de ODEF. Ella atiende su negocio todos los días de la semana y desde muy temprano para darles buen servicio a sus clientes.
Esta solicitando su tercer préstamo de 26,000 lempiras para comprar más productos alimenticios como granos básicos, lácteos, refrescos etc. Con esta inversión ella lograra ofrecer variedad de producto a su clientela y mejorar sus ingresos.
Su plan es seguir superándose en su negocio para seguir generando los ingresos que hasta ahora le han permitido sostener a sus hijos y también tener la solvencia económica para el futuro ellos puedan estudiar.

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
  • 69
    View loans »
    Honduras Loans Fundraising
  • $9,996,350
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,375 helped Ana Cristina to buy more food products like basic grains, dairy products, and soft drinks, etc. to stock her business.
100% repaid
Repayment Term
33 months (Additional Information)
Repayment Schedule
Feb 29, 2012
Apr 6, 2012
Currency Exchange Loss:
Oct 17, 2014