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Update on Ramon

Ramón, 51, is married and has 8 children. He lives in the town of Morazán, Yoro, with his wife and four of his children. Eight years ago he decided to sell clothes such as trousers, jeans and new and used shirts in order to have an income to support his family. His business is ambulatory; he sets up shop along the sidewalk in town. He’s been able to stay in business thanks to several loans which he has had from ODEF.

This loan he is requesting is for 10,000 Lempiras, which he needs to buy more clothing such as trousers and shirts so he can stock his business, increase sales and have a better income.

His goal is to stay in business and improve it every day to support his children’s schooling and provide each one of them with better living conditions.
View original language description ↓
Don Ramón, tiene 51 años de edad, casado, tiene 8 hijos y vive en el municipio de Morazán, Yoro, junto a su esposa y 4 de sus hijos. En busca de obtener sus ingresos para la manutención familiar, hace 8 años decidió dedicarse a la venta de ropa como pantalones, jeans y camisas nuevas y usadas. Su negocio es ambulante él se ubica con su negocio en la calle peatonal de la ciudad. Ha mantenido esta actividad mediante varios préstamos que ha solicitado a ODEF, este préstamo que solicita es por 10,000 lempiras con el cual necesita comprar más mercadería de ropa como pantalones y camisas para surtir e incrementar las ventas y obtener mejores ingresos. Su meta es mantener y mejorar cada día su negocio para apoyar a sus hijos con el estudio y darles una mejor condición de vida a cada uno de ellos.

Previous Loan Details

Ramón, 50, is married and has 8 children. He lives in the town of Morazán, Yoro, with his wife and four of his children. Ramón is seeking to earn higher income to support his family. Seven years ago he decided to sell clothes like pants, jeans and new and used shirts. His business is ambulato... More from Ramon'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
  • 78
    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 $500 helped Ramon to buy new and used shirts and trousers to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 21, 2013
Oct 17, 2013
Currency Exchange Loss:
Mar 17, 2014
This photo was used before for a previous loan for Ramon. It was first posted on Kiva on Sep, 2012. Learn More