A loan of $1,050 helped to buy fertiliser and to hire help.

Jose Heriberto's story

Heriberto is 47 years old, married, and has five children. His wife tends to the house; they live in the village of Las Piñuelas, Catacamas, Olancho. Heriberto has been working in agriculture for nine years: he started with sweetcorn and black beans, and, with time, became more experienced. He now also grows watermelons. He works all day long. An advantage he has is that when the weather is favourable, the crops grow well. Heriberto asks for a loan because he needs the money to buy manure, urea, and chemical fertilisers, and to hire help. The problems he faces have to do with watering the crops (sometimes there is too much water, which is harmful, and sometimes there is not enough water), fighting parasites, and, when the times come to sell the produce, the risk of a drop in prices. His goal is to make his crops grow and to have a harvest in good condition for selling. Heriberto is in his third cycle with field partner FAMA's loans; he has always been punctual with his repayments and the loans he obtained helped him improve his standard of living.

Translated from Spanish by Kiva volunteer

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