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Ana Julia

Update on Ana Julia

Ana is 53 years old. She is a single mother and lives with her two daughters in the municipality of Arizona, Atlántida. Her daughters are in school. Ana has worked as a salesperson for many years. She started selling clothes, perfume, and cosmetics. Then she decided to sell Avon products by catalog and clothes that she made. She now also sells shoes and piñatas. She has her business in her home and she sells door to door as well. She has strengthened he business by reinvesting her earnings and by loans. She has requested 6 loans from ODEF. The current loan is for 11,000 Lempiras which she will use to purchase materials to make piñatas, and clothes and cosmetics for sale. Her goal is to continue working to make improvements to her home.
View original language description ↓
Doña Ana, tiene 53 años de edad, es madre soltera, y vive con sus dos hijas en el municipio de Arizona, Atlántida. Sus hijas están estudiando.
La señora Ana tiene muchos años de dedicarse al comercio comenzó vendiendo ropa, perfumería y cosméticos luego decidió vender productos Avon por catalogo y prendas de vestir que ella misma elabora, actualmente vende también calzado y piñatas. El negocio lo tiene en su casa y vende de forma ambulante también. Ha fortalecido su negocio con la inversión de las ganancias y prestamos.
Ella ha solicitado 6 créditos con ODEF, con el actual que es por 11,000 lempiras con el cual va surtir de materiales para la elaboración de piñatas, ropa y compra de cosméticos para la venta. Tiene como meta seguir trabajando para mejorar su vivienda.

Previous Loan Details

Señora Ana is 51 years old, and lives with her two daughters in the town of Arizona. Ana is a single mother, and her two daughters, aged 17 and 19, are attending school. Señora Ana began selling clothing, perfume, and cosmetics ten years ago. She began by selling Avon products and clothing i... More from Ana Julia's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Honduras

  • $4,800
    Average annual income
  • 70
    View loans »
    Honduras Loans Fundraising
  • $9,996,350
    Funds lent in using Kiva
  • 20.4
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Ana Julia to purchase materials to make piñatas, rope, and cosmetics for sale.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 4, 2013
Sep 29, 2013
Currency Exchange Loss:
Jan 17, 2015