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Jose Luis
José Luis is 54 years old, and his children are now adults. He is married, and he lives with his wife and grandchildren in an outlying area of San Pedro Sula.

José Luis has had his grocery store business for ten years. He sells staples like beans, lard, flour, rice, sugar, instant corn flour, dairy products, eggs, soft drinks, and grocery store items. With his wife’s help he has known how to run the business very well. His wife always supports him. With the income generated from the business he has managed to reinvest and stock the store more.

This is José’s third loan with ODEF. He requested a loan for 15,000 lempiras to buy items like dairy products and sausages. He will invest the other part in purchasing two freezers to freeze the meat. This way he will be able to offer his customers products that are fresh and of good quality.

His goal is to have products that generate more demand in his store. This way he will manage to increase his sales. He will do this in order to have financial solvency so that he can help with his grandchildren’s education.
View original language description ↓
José Luis tiene 54 años de edad, sus hijos ya son mayores de edad, es casado y vive con su esposa y sus nietos en una colonia periférica de San Pedro Sula.
Don José Luis tiene desde hace 10 años un negocio de una pulpería. El ofrece productos de la canasta básica como frijoles, manteca, harina, arroz, azúcar, maseca, carnes lácteos, huevos, refrescos y productos de abarrotería. Con la ayuda de su esposa a sabido llevar bastante bien la administración del negocio ya que ella le apoya siempre. Con las ganancias que ha generado las ha logrado reinvertir y surtir más.
Don José es cliente por tercera vez de odef, solicito un préstamo de 15,000 lempiras para comprar productos como lácteos, embutidos, y otra parte la invertirá en la compra de dos frízer para congelar las carnes. Y así poder ofrecer a los clientes productos frescos y de buena calidad.
Su meta es tener el negocio con los productos que generen mayor demanda y así lograr incrementar sus ventas para tener una solvencia económica para ayudar a sus nietos en la educación.

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
  • 59
    View loans »
    Honduras Loans Fundraising
  • $9,392,450
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Jose Luis to buy items like dairy products and sausages. He will also buy two freezers to freeze the meat.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 11, 2012
May 29, 2012
Currency Exchange Loss:
Mar 15, 2013