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Jose Guillermo
Young José Motiño is 24 years old and lives with his parents in the Honduras section of the city of Tegucigalpa. He is about to finish his university studies where he expects to earn a degree in marketing. Jose Guillermo is thought of as a leader, and a person who is determined and capable of reaching his goals.

His main motivation for continuing his studies is to achieve personal and professional success, serving as an example for his family to follow. He believes that the best way to contribute to the development of his country is to always think and act in a totally positive way, looking for solutions to problems that currently pose a series of obstacles for many people.

Jose Guillermo is involved in activities that evaluate companies' decision making processes on daily situations and states that not all companies react
favorably. He wants to support education; this is very important to Jose because there are young people who want to better themselves, but today economic factors often get in the way of their ability to achieve their goals. He hopes to attain success by becoming a professional, thus being able to provide a better education for his children.
View original language description ↓
El joven José Motiño,tiene 24 años de edad y vive con sus padres en la colonia Honduras, ciudad de Tegucigalpa.
Esta por finalizar sus estudios universitarios, donde espera titularse de licenciado en mercadotecnia.
José Guillermo se considera una persona líder, capaz y luchadora al momento de alcanzar sus metas.
El motivo principal para continuar con sus estudios ,es alcanzar el éxito personal y profesional logrando así que su familia lo considere un ejemplo a seguir, el considera que la mejor manera de contribuir al desarrollo de su país es mantener una actitud y pensamientos totalmente positivos, buscando soluciones ante problemas que en la actualidad representan una serie de obstáculos para muchas personas.
José Guillermo se desenvuelve en actividades que evalúan el proceso de toma de decisiones de las empresas ante situaciones diarias, el comenta que no todas las empresas reaccionan de manera favorable.
El brindar un apoyo a la educación, para José es de gran importancia ya que hay jóvenes que desean superarse y hoy en día los motivos económicos impiden el logro de sus metas.
El desea alcanzar el éxito profesional mediante el profesionalismo y así brindarle una mejor educación a sus hijos.

Additional Information

About this loan

Fundación CREHO (Honduran Foundation for Educational Loans) is a lending institution founded in 2002 in Tegucigalpa that focuses exclusively on student loans. It aims to be the leading private lending organization offering education loans in the country, contributing to the transformation of Honduras by supporting the training of qualified people.

Kiva funding will be used to support three different types of loans: university degrees, technical and vocational degree programs, and school supplies such as laptops and textbooks. Partnering with Kiva will allow Fundación CREHO to offer long-term, low interest loans with less stringent guarantee requirements to students who otherwise have almost no options to finance their education. Furthermore, at least one-third of Kiva funding will help the organization target students from low-income households and who lack the collateral generally required for these loans.

Please note that Fundación CREHO is a non-traditional Field Partner, in that they are a student lender, not a microfinance institution. Loans to students attending a university degree program may have terms up to 10 years and lenders should not expect to receive payments while the student is still attending the university (4-5 years). In addition, payment plans are uploaded to Kiva for the full tuition cost, however if for any reason the full amount is not needed to complete the degree program, the unused balance will be repaid to lenders as a pre-payment as early as possible.


About Honduras

  • $4,800
    Average annual income
  • 52
    View loans »
    Honduras Loans Fundraising
  • $9,382,300
    Funds lent in using Kiva
  • 21.0
    Honduras Lempiras (HNL) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $3,250 helped Jose Guillermo to finish his university studies.
58% repaid
Repayment Term
62 months (Additional Information)
Repayment Schedule
Jul 11, 2014
Aug 18, 2014
Currency Exchange Loss: