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Maria Celina
Maria is 68 years old and a single mother with three children. She lives with one of them in the city of San Pedro Sula, Cortes.

Doña Maria has a business that generates income to support herself. She makes and sells tortillas, but she also sells firewood. Maria has been selling tortillas for 10 years and already has her own customer base. She is a well-known lady in the subdivision where she lives and has a reputation for being a hardworking woman who has dedicated her entire life to helping her children get ahead. Her children are already grown and help with some of the expenses.

Maria is an excellent client of ODEF and has received nine loans. Her current loan request, the tenth one, is for 16,000 HNL that will be invested in supplies such as cornmeal and firewood to sell as well as to use in making tortillas. Part of the loan will also be used to make improvements to an apartment she rents out as an additional source of income. This will help her improve financially. Her goal is to continue working by attending to her customers. Maria also plans to use her earnings to obtain a tortilla stand so that she can continue making improvements to her rental apartments.

View original language description ↓
Maria tiene 68 años de edad, es madre soltera, tiene 3 hijos y vive con uno de ellos en la ciudad de San Pedro Sula, Cortes.
Doña Maria tiene una actividad de negocio el cual le genera ingresos para su manutención. Es la elaboración y venta de tortillas y compra y venta de leña. Hace 10 años trabaja vendiendo tortillas la cual ya cuenta con su propia clientela, Es una señor muy conocida en la colonia donde vive destacándose por una mujer muy trabajadora que se ha dedicado toda su vida a trabajar para sacar sus hijos adelante, sus hijos ya están mayores y le ayudan con algunos gastos.
Ella es una excelente cliente de ODEF con la cual lleva 9 créditos, actualmente solicita el préstamo numero diez de 16,000 lempiras que lo invertirá en comprar insumos como harina de maíz, compra de leña para consumo y venta para la elaboración de las tortillas y otra parte la destinara para hacerle mejoras a un apartamento que tiene para alquiler donde obtendrá otro ingreso extra que le ayudara ha mejorar económicamente.
Su meta es seguir trabajando para seguir atendiendo a sus clientes, también piensa que con las ganancias que obtenga de la venta de tortillas podrá seguir mejorando los apartamentos que tiene.

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
  • 78
    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 $850 helped Maria Celina to buy supplies for making tortillas, to acquire firewood to sell, and to pay for improvements to a rental apartment.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 8, 2012
Jun 7, 2012
Currency Exchange Loss:
Nov 17, 2013