Merriam-Webster Definition of Microfinance: “Financial services especially in the form of microloans provided to impoverished individuals and groups in poor and developing regions.” For Factor-H, microfinance is more than just a financial service. It is a tool to empower members of the disadvantaged HD communities, helping them become more resilient…

The Sierra de Oro family lives in the Caribbean region in Northern Colombia, in the municipality of Sábanas de San Angel in the Department of Magdalena. Factor-H has been working with this family for a number of years. The family was chosen as the first recipient of a new microcredit…