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Update on Josefina

Josefina is 53-years-old and is widowed. She has three children and lives with them and her grandchildren in a village which is part of San Francisco de Yojoa. She has always worked in trade and farming. She has her own plantation where she grows coffee, bananas, allspice and beans. Her children help her on the plantation and they sell the produce at the local market. The main crop is coffee. She is requesting her third loan of 20,000 lempiras to buy the necessary fertilizer to improve the coffee crops and to pay for cleaning of the plantation. With this investment, she hopes to increase the harvest and her sales. Her plan is to teach her children to be good farmers so that they can get ahead.
View original language description ↓
Doña Josefina, tiene 53 años de edad, es soltera por viudez, tiene 3 hijos,vive en una comunidad que pertenece a San Francisco de Yojoa junto a dos de sus hijos y nietos. Ella siempre se ha dedicado al comercio y a la agricultura. Cuenta con una finca donde produce café, plátanos, pimienta gorda y frijoles. Para el cultivo le ayudan sus hijos y la producción que sacan la venden en el mercado local de la zona. La principal producción es el café. Ha solicitado un tercer préstamo por 20,000 Lempiras, con el cual va comprar el fertilizante necesario para mejorar el cultivo de café y en limpieza de la finca. Con esta inversión espera aumentar el cultivo y las ventas. Su plan es enseñarles a sus hijos a trabajar bien la agricultura y poder seguir adelante.

Previous Loan Details

Josefina, 52, is a widow and has three children which whom she lives. They live in a community that belongs to San Francisco Yojoa. She has always made her living at business and agriculture. She has a farm where she grows coffee, plantains, allspice and beans. Through her crops she helps her chi... More from Josefina'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
  • 19.3
    Honduras Lempiras (HNL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Josefina to buy fertilizers for coffee and to pay for cleaning of the coffee plantation.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 19, 2014
Mar 25, 2014
Currency Exchange Loss:
Dec 17, 2014
This photo was used before for a previous loan for Josefina. It was first posted on Kiva on Sep, 2013. Learn More