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Seferina is a 46-year-old woman and a hard worker. She completed elementary school and is the single mother of three children, two of whom are currently in different grades in elementary school. Her youngest is in kindergarten. Seferina lives with her mother; an elderly woman who is an example to both her and her children as she is a real fighter and has a lot of strength. She helps out with some of the tasks around the house.

Seferina's parents taught her to work the land when she was very young. She enjoys her work and has done so since she was very young. She enjoyed the learning experience. This is the only source of income for Seferina's family right now and it has enabled her to improve herself and get ahead in life. Seferina owns the land that she works, having received it as an inheritance from her parents. It is located 10 meters from her home and both she and her sister work it, maintaining the crops by fertilizing, weeding, etc. Seferina's produce is sold through middlemen who visit the area and to their neighbors. The sisters themselves also travel to a commercial area to sell their produce.

Seferina is currently requesting help to buy manure and fertilizers for her potato crops as this is how she will keep them healthy and safe from pests and bugs. Her plans are to expand her business and grow a variety of produce for her customers. She would like to be able to offer her customers a wider variety of produce. Seferina's dream is to see her children grow up and to raise them with principles and values. She will support them in their studies and with any other goals they set themselves.
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Seferina es una mujer de 46 años de edad luchadora con un grado de escolaridad de primaria completo y madre soltera de 3 hijos de los cuales 2 de ellos estudian en primaria en diferentes grados de educación y el último estudia en el kínder. Con ella vive su madre una mujer adulta la cual es un ejemplo para ella y para sus hijos por ser una mujer luchadora y con muchas fuerzas, ella colabora con algunas actividades en el hogar. Fueron sus padres los que le enseñaron a trabajar la tierra desde muy joven actividad que ella disfruta hacer ya que desde muy pequeña le gusto y agrado la experiencia. Este es el único medio de ingreso para su familia en la actualidad por medio del cual se ha superado y ha podido salir adelante. La propiedad que ella trabaja es propia gracias a una herencia por parte de sus padres la cual está ubicada a 10 metros de su casa de habitación y que en compañía de su hermana trabajan dando mantenimiento a sus cultivos como: abono, limpieza, etc. Su producto es comercializado a través de intermediarios que llegan a la zona, vecinos y ellos mismos que viajan hasta la zona de comercio para su venta.

Actualmente Seferina solicita ayuda para poder comprar abono y fertilizantes para sus cultivos de papa ya que de esta forma ella mantendrá sano y salvo de plagas y bichos sus cultivos.

Sus planes son de poder ampliar y sembrar una variedad de productos para sus consumidores ya que de esta forma ella podrá ofrecer una mayor variedad. Su sueño es ver crecer a sus hijos y formarlos con principios y con valores apoyándolos en sus estudios y demás metas que ellos se propongan cumplir y realizar.

Additional Information

More information about this loan

These loans are designed for female farmers who produce a variety of products (onion, garlic, eggplant, spinach, mango, strawberries, etc.). Loan terms will vary depending on need, and borrowers can choose to make a "bullet" payment timed with harvest profits. Agricultural loans are considered risky in Honduras due to external forces like unpredictable weather and worldwide crop prices. As a result, many traditional financial institutions are unwilling to offer these loans. With Kiva funding, COMIXMUL will be able to reach more borrowers with agricultural loans tailored to their needs.

About Honduras

  • $4,800
    Average annual income
  • 52
    View loans »
    Honduras Loans Fundraising
  • $9,382,300
    Funds lent in using Kiva
  • 19.4
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Seferian to buy manure and fertilizers for her potato crops.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Apr 22, 2013
Apr 23, 2013
Currency Exchange Loss:
Nov 17, 2013