A loan of $1,125 helped to buy staples like basic grains, flour, lard, beans, instant corn flour, rice, dairy products, and sausages, etc. She will also buy general grocery store products.


Elba Esperanza's story

Elba Esperanza, age 58, is single because she is a widow. She has two children, and she lives in a neighborhood in the Cofradia Cortes municipality.

Elba has had a grocery store for ten years. It is through this business that she has been able to get ahead. She sells staples like flour, lard, beans, instant corn flour, rice, dairy products, sausages, and soft drinks, etc. She also sells general grocery items like toilet paper, sanitary napkins, children’s disposable diapers, toothpaste, medicine, and herbs and spices, etc.

She says that these products are in great demand in the business because they are basic needs items for the home. Her business is profitable. Therefore, she has managed to, little by little, keep it stable with the loans she has received from the institution.

She is now requesting her seventh loan in the amount of 21,000 lempiras. She will use the loan to buy more products like basic grains, flour, lard, beans, instant corn flour, rice, dairy products, and sausages, etc. She will also buy general grocery store products. With this investment she hopes to improve her sales even more. She also plans to be financially better off in order to continue being punctual making her payments for the loan from ODEF.

Her goal is to work hard in order to convert her grocery store into a grocery warehouse where she will be able to sell wholesale.

Translated from Spanish by Kiva volunteer Ginny Kalish



Loan details


Lenders and lending teams



Loan details