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Virgilia is a 39-year-old married woman with 3 children, of whom two are minors and the eldest is at primary school. She, herself, in spite of only having been educated to fifth grade at primary school, is a fighter. It was her parents who taught her how to work the land (growing vegetables) when she was still very young. She very much enjoys her work, having taken a liking to it at an early age, and is pleased with the experience she has gained. She does not, however, only work in agriculture; she also sells her produce (in particular the coffee which grows in abundance and safety throughout the region where the land and atmosphere are ideal for growing crops). She sells her produce through intermediaries who visit the region, as well as to neighbours and to others at the trading area which they travel to. The land which she and her partner farm is 16 kilometres away, which means a daily journey to carry out the necessary checks and maintenance tasks such as: cleaning, pruning and applying fertiliser and manure. Virgilia is seeking this loan to buy manure and fertiliser to protect her potato crops from pests and bugs. She plans to extend the land she farms so as to boost production and to make improvements to her home to provide better and more comfortable living conditions for her children. Her ambition is to see her children receive a university education which will enable them to become successful men and women.
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Virgilia es una mujer de 39 años de edad casada, luchadora con un grado de escolaridad de primaria no completo cursado hasta el 5 grado de educación y madre de 3 hijos los cuales 2 de ellos son menores de edad y el mayor esta estudiando en la primaria. Fueron sus padres los que le enseñaron a trabajar la tierra (cultivo de hortalizas) desde muy pequeña actividad que ella disfruta hacer ya que desde muy pequeña le gusto y agrado la experiencia. Ella no solo es agricultora si no también comerciante de su propio producto principalmente el café mismo que crece con fertilidad y seguridad por la zona donde ella habita ya que el terreno y el ambiente es propio para el cultivo. 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. La tierra que ella y su pareja trabajan esta a una distancia de 16 kilómetros a la cual se trasladan diariamente para su debido control y mantenimiento como lo es: Limpieza, poda, fertilización y abono al mismo.

Actualmente Virgilia 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 sus tierra para poder cultivar mas producto y arreglar su casa de habitación para que sus hijos puedan vivir en mejores condiciones y mas cómodos. Sus sueños son que sus hijos se preparen a nivel universitario para que sean hombres y mujeres de provecho.

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
  • 77
    View loans »
    Honduras Loans Fundraising
  • $9,996,350
    Funds lent in using Kiva
  • 19.2
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Virgilia to buy manure and fertiliser for her vegetable crops.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
At end of term
May 3, 2013
May 7, 2013
Currency Exchange Loss:
Dec 17, 2014