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Alma Marina
Alma is a widow and a single mother. She is 41 years old, and has 2 children. She lives with one of her children in a suburban neighborhood of San Pedro Sula.

She has been earning a living for a number of years by selling general merchandise, such as used clothing for men, women and children (blouses, shirts, jeans, T-shirts, and other items) and shoes. Three years ago she diversified her business, and she now also sells breakfast food and fruits, including oranges, apples, grapes, bananas and other seasonal fruit.

Alma is requesting her second loan with ODEF. This is a short term loan for 5,000 Honduran lempiras, which she will use to invest in the purchase of grapes, apples, and pears to sell during the Christmas season. This investment will help her to increase her sales and income.

Alma's goal is to work hard so that her son can finish his education.
View original language description ↓
La señora Alma, es madre soltera por viudez, tiene 41 años, tiene dos hijos, vive en una colonia suburbana de San Pedro sula junto a uno de sus hijos. Ella lleva varios años ganándose la vida vendiendo mercadería en general como ropa usada, para damas, caballeros y niños (blusas, camisas, jeans, camisetas y otros) y zapatos. Hace tres años diversifico su negocio y ahora vende también comida para el desayuno y frutas como naranjas, manzanas, uvas, bananos y fruta de temporada. Esta solicitando el segundo préstamo a ODEF, este es a corto plazo y es por 5,000 Lempiras, el cual lo va invertir en compra de uvas, manzanas y peras para vender en la temporada de navidad. Esta inversión le ayudara a incrementar sus ventas y sus ingresos. Tiene como meta trabajar mucho para que su hijo termine sus estudios.

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
  • 69
    View loans »
    Honduras Loans Fundraising
  • $9,399,550
    Funds lent in using Kiva
  • 19.9
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Alma Marina to buy seasonal fruit, apples, and grapes to sell during the Christmas season.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Nov 30, 2012
Dec 20, 2012
Currency Exchange Loss:
Jul 27, 2013