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Beatriz, age 44, is a housewife and a farmer. She has two children, and they go to school. They help their parents carry out the different jobs in the field when they are done with their school activities. Beatriz did not have the opportunity to go to school because she is from a financially humble family. In her youth the income obtained was not the best.

Her parents were the ones who taught her to work the inherited land. Now she works the land with her family. They grow coffee on the land, which is close to her house. The family gets there by walking.

Her plan for the future is to improve the variety of coffee that she grows. This way she will be able to attract more customers to buy her product and improve her income. Most importantly, she will be diversifying the grain.

As a mother, she plans to give her children the opportunity and the support so that they are able to prepare themselves academically. She will do this so that they are able to become professional people with life opportunities and with more business options.

Therefore, Beatriz has now requested a loan from the COMIXMUL cooperative. She will use the loan to buy agricultural supplies that will help her crop to have better foliage, to protect the plants from frost (climate factor), and to mainly prevent diseases in the grain like rust and insects like the berry borer.
View original language description ↓
Doña Beatriz tiene 44 años de edad quien es ama de casa y agricultora, casada y madre de 2 hijos los cuales estudian y apoyan a sus padres al salir de sus actividades escolares en las diferentes tareas que en el campo son llevadas a cabo. Doña Beatriz no tuvo la oportunidad de estudiar ya que desciende de una familia humildemente económica y en su juventud las ganancias obtenidas no eran las mejores. Fueron sus padres quienes le enseñaron a trabajar la tierra mismos que le heredaron el terreno que hoy en día en compañía de su familia trabajan en la cual tiene cultivado café la cual esa ubicada cerca de su casa a la cual se trasladan a caminando en familia.
Sus planes a futuro mejorar la variedad de café cultivada ya que de esa manera ella podrá atraer más clientes para la compra venta de su producto, mejorando sus ingresos y lo más importante diversificando el grano. Como madre de familia, dar la oportunidad a sus hijos y el apoyo para que ellos puedan prepararse académicamente y puedan ser personas profesionales con oportunidades en la vida y con más opciones de negocio.
Por lo que hoy en día Doña Beatriz ha solicitado financiamiento a la cooperativa COMIXMUL con la cual comprara insumos agrícolas que ayudaran a que sus cultivos tengan un mejor follaje, proteger la planta de heladas (factor clima) y principalmente de enfermedades en el grano como la roya, y bichos como la broca.

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
  • 50
    View loans »
    Honduras Loans Fundraising
  • $9,386,800
    Funds lent in using Kiva
  • 20.0
    Honduras Lempiras (HNL) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,475 helped Beatriz to buy agricultural supplies for the care and maintenance of her coffee crops.
50% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 27, 2014
Feb 24, 2014
Currency Exchange Loss: