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Jose Armando
José is 40 years old, is in a civil union, and has three children. He lives in a neighborhood in the city of San Pedro Sula.

He has had a small grocery store for four years and his helped out by his wife. He started the store to have his own business and improve his quality of life. He sells basic products such as sweets, dairy products, basic grains, and bread, among other things, at his store. The store is located in a central area with a lot of traffic, which has increased his sales profits.

José has requested his first loan of 15,000 lempiras with ODEF to invest in the purchase of food products like grains, dairy products, and sweets. That way he can improve his income and increase his inventory with the purchase. He hopes to stock his store more and be able to give a good education to his children. In the future he wants to start another small grocery store in another central location.
View original language description ↓
Don José tiene 40 años, vive en unión libre, tiene 3 hijos y vive en una colonia de la Ciudad de San Pedro Sula.
Él tiene un pulperia, Hace 4 años la estableció y es ayudado por su esposa, La puso con el motivo de tener un trabajo propio y de mejorar su nivel de vida. En su pulpería vende productos básicos como golosinas, lácteos, granos básicos, pan y entre otros productos. La pulpería está ubicada en un lugar céntrico con buen movimiento, lo cual ha aumentado el rendimiento de las ventas.
El señor José ha solicitado su primer préstamo con ODEF de 15,000 lempiras para invertir en la compra de productos alimenticios como ser granos, lácteos, golosinas y así mejorar sus ingresos y aumentar su inventario con la compra.
Espera surtir más la pulperia y poder educar bien a sus hijos. En el futuro quiere establecer otra pulpería en otra zona céntrica.

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
  • 44
    View loans »
    Honduras Loans Fundraising
  • $9,371,525
    Funds lent in using Kiva
  • 19.1
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Jose Armando to buy food products such as grains, dairy products, and sweets to stock his small grocery store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 17, 2012
Jul 29, 2012
Currency Exchange Loss:
May 17, 2013