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Salud Group
In this Group: Ludin Damary, Digna Xiomara, Esteberta
Esteberta, 46, belongs to Grupo Solidario Salud and is the single mother of a daughter. She is hardworking and wants to succeed so that she can keep helping her daughter and grandchildren. She started her business three years ago while working at a cafeteria; she decided to go out on her own and risk the challenges ahead.

She now manages her cafeteria by herself, working from 7:00 am until 8:00 pm. Paying rent for the space is a disadvantage for Esteberta. She is applying for a loan to buy ingredients to make candies. The loan will allow her to keep supporting her family. Her business goal is to own her space and not rent; her dream is to own a house. This is Esteberta's sixth loan cycle with FAMA, and she has made her payments on time.
View original language description ↓
Doña Esteberta tiene 46 años de edad, es miembro del Grupo Solidario Salud, es madre soltera de una hija, es una mujer trabajadora con muchas aspiraciones de salir adelante para seguir apoyando a su hija y a sus nietos. Ella inicio su negocio desde hace tres años cuando trabajaba en una cafetería y decidió emprender una actividad por su propia cuenta arriesgándose a enfrentar todos los retos y desafíos, en la actualidad tiene una cafetería la cual atiende ella sola y su horario de atención al cliente comienza desde las 7:00 am y culmina a las 8:00 pm. La desventaja de doña Esteberta es que tiene que pagar alquiler de local. El préstamo que ella esta solicitando lo necesita para invertirlo en la compra de productos para elaborar sus golosinas. Con el apoyo de este préstamo podrá seguir teniendo una fuente de ingresos para su familia. Su meta para su negocio es poder tener su propio local y ya no seguir alquilando, su sueño es tener su propia casa. Doña Esteberta ha recibido el apoyo de FAMA durante 6 ciclos los cuales los ha cancelado de forma puntual.

Additional Information

About FAMA:

Honduras is one of the poorest countries in the Western Hemisphere with approximately 59% of people living below the poverty line. Familia y Medio Ambiente OPDF (FAMA OPDF) is a Honduran non-profit with no religious or political affiliation. FAMA’s mission is to provide quality and opportune financial services so that men and women have equal opportunities to develop their micro or small businesses, whether they focus on agriculture, manufacturing or services. FAMA operates 13 branches throughout Honduras and serves over 12,500 clients.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Honduras

  • $4,800
    Average annual income
  • 53
    View loans »
    Honduras Loans Fundraising
  • $9,873,575
    Funds lent in using Kiva
  • 19.9
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A portion of Salud Group's $675 loan helped a member to buy ingredients to make candies.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 21, 2012
Dec 21, 2012
Currency Exchange Loss:
Apr 30, 2013