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José Andrei

Jose is a young man of 21 years, he is still single and lives with his mother. The community where Jose lives is called El Sauce de Santa Teresita de Turrialba, in the province of Cartago. It's a small rural community with approximately 2000 residents. The people of the community work primarily in dairy (milk production) and cultivating coffee. The terrain is a bit rough and the climate is that of a tropical forest. There are many picturesqe paths running through the area which combine the tropical forest with two pretty lakes, as well as coffee plantations and dairies. El Sauce is located about an hour and a half by bus from Turrialba, the closest commercial center. However, during various times of the year the roads are not passable due to the rains. This is without a doubt one of the main disadvantages for the community.




When there is no work in the community, many people opt to leave to find work in Turrialba, or on banana farms located in the Atlantic zone of Costa Rica. The prices of coffee and milk have gone up lately, so more people are trying to work on projects in the same area, instead of having to migrate away. To help with the economic situation, two years ago the Association of Milk Producers set up a cheese factory in the community. Now Jose, who works in milk production, can sell his dairy products to the cheese factory.



The cheese of the region where Jose lives is famous in all of Costa Rica. It's a fresh cheese that is tradionally known as "cheese of Turrialba". The "Ticos" (which is what they call the people of Costa Rica), like this cheese a lot and you will often find it at meal time accompanying many other types of food, especially at breakfast. They also eat it with tortillas, rice, beans,eggs, amongst other dishes. For this reason, the demand for this cheese is very strong.



Jose would like a loan, to be repaid in 24 months, in order to buy another dairy cow and increase his production of milk. He knows that an additional cow requires a lot of work and sacrifice for both himself and his mother, who helps him with the work. Still, his desire to run his own successful business and continue to improve the quality of life for his family are a great motivation for him.



Jose is a member of the Association of Producers of El Sauce, a local organization associated with the microfinance organization EDESA. Thanks to his affiliation with this organization, he has obtained two loans which he has already successfully repaid.

View original language description ↓
José Andrei A. C. es un joven señor de 21 años de edad, soltero y vive actualmente solo con su madre.

La comunidad en la cual vive José Andrei se llama El Sauce de Santa Teresita de Turrialba, Provincia de Cartago. Es una pequeña comunidad rural de aproximadamente dos mil habitantes. Sus pobladores se dedican a la producción de leche y siembra de café. Tiene un relieve irregular y mucho del terreno se mantiene como bosque tropical húmedo. La comunidad tiene paisajes muy pintorescos que combinan el bosque tropical con dos lindas lagunas, plantaciones de café y lecherías. El Sauce se localiza aproximadamente a hora y media en bus de Turrialba, el centro de comercio más cercano. Sin embargo, varias veces al año el camino se vuelve intransitable por las lluvias que azotan la zona. Este es sin duda uno de los principales desafíos para la comunidad.

Cuando no existían actividades muchas personas optaron por salir a buscar trabajos en Turrialba o en fincas bananeras ubicadas en la Zona Atlántica de Costa Rica. Actualmente los precios del café y la leche han mejorado, por lo tanto los vecinos buscan cómo invertir en proyectos en la misma zona y de esta forma evitar migrar.

Como parte de las respuestas a esa situación, desde hace dos años se instaló en la comunidad una planta de elaboración de quesos, propiedad de la Asociación de Productores de Leche de El Sauce, hecho que motivó a José Andrei a especializarse en la producción de leche para luego venderla a esta planta.

El queso de la región donde vive José Andrei es famoso en todo Costa Rica. Es un queso fresco que se le conoce tradicionalmente como “queso tipo Turrialba”. A los “ticos” (como se les conoce a los habitantes de Costa Rica) les gusta mucho consumir este producto; se le encontrará en las mesas acompañando cualquier tipo de comida, especialmente en los desayunos junto a tortillas, arroz, frijoles, huevos, el típico “gallo pinto”, entre otra variedad de comidas. Por esta razón, el mercado para dicho producto es realmente bueno.

José Andrei desea obtener un micro crédito de ¢500,000 (quinientos mil colones) a 24 meses plazo para comprar una vaca lechera más y así aumentar la producción de leche. El sabe que contar con una vaca más es un mayor sacrificio y demandará más trabajo tanto para él como para su madre, con quien comparte las labores. Sin embargo, el deseo de ser un microempresario exitoso y sacar adelante a su familia mejorando las condiciones de vida, lo motiva a esforzarse con gran esmero.

José Andrei es socio de la Asociación de Productores de El Sauce, una organización local socia de la micro financiera EDESA. Gracias a su vinculación con esta organización ha obtenido ya 2 micro créditos y los ha cancelado satisfactoriamente.

Additional Information

More information about this loan

As a small and relatively young MFI located in Costa Rica, EDESA has difficulty attracting other sources of capital. Many other microfinance funders do not work in Costa Rica, because overall the country is too rich. However, organizations such as EDESA work with extremely marginalized populations in Costa Rica that really need the access to capital that EDESA provides. By funding EDESA, Kiva lenders are allowing the organization to grow and reach more people than they otherwise would be able to reach.

About Costa Rica

  • $11,100
    Average annual income
  • 0
    View loans »
    Costa Rica Loans Fundraising
  • $4,022,575
    Funds lent in using Kiva
  • 570.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped José Andrei to purchase an additional dairy cow and grow his dairy business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Apr 22, 2009
Listed
Apr 16, 2009
Currency Exchange Loss:
Covered
Ended:
May 15, 2011