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Ruth Nory
Ruth Nory R. B. is a 29 year old young woman, that currently lives with her husband Alexander and their two children: Alexandra and Edgar. They live in a rural community in Costa Rica called Abanico, located in San Isidro de Peñas Blancas, San Ramón, Alajuela Province. It is well known as a friendly and peaceful community, dedicated to productive activites such as agriculture, livestock, and tourism.


Right now Mrs. Ruth Nory is a housewife with a dream to start her own business, which is why she has proposed to establish a beauty salon that would provide the best service and attention to customers. She has taken beauty courses to become specialized and to be in full capacity to meet the needs of her microenterprise.


She adds that the fact of having her own business fills her with motivation and pride. This will help with the family expenses and offer the community a necessary service, taking into consideration that this is a community with many people who must go elsewhere for the service. She assures that she will work with great care, dedication and discipline in order to move the project forward.


Mrs. Ruth Nory requests a loan of ¢600,000 (six hundred thousand colones) in order to buy a special chair, hair dryer, flat iron for hair, "hair washer", game room and a number of cosmetics. In addition, different construction materials in order to put in a seperate home for the project.


She is a part of the Enterprise of Village Credit of Abanico (la Empresa Crédito Comunal de Abanico), one of the 100 organizations of EDESA in Costa Rica. As a partner she has received a total of two microloans that have enabled her to grow as an entrepeneur, permitting her to buy a sewing machine and meet the needs of her home.

View original language description ↓
Ruth Nory R. B. es una joven señora de 29 años de edad, que actualmente vive con su esposo Alexander y sus dos hijos: Alexandra y Edgar. Vive en una comunidad rural de Costa Rica llamada Abanico, ubicada en San Isidro de Peñas Blancas, San Ramón, Provincia de Alajuela; reconocida como una comunidad amiga de la tranquilidad y dedicada a actividades productivas tales como la agricultura, ganadería y turismo.

Actualmente doña Ruth Nory es un ama de casa con deseos de iniciar su propio negocio, razón por la cual se ha propuesto establecer un salón de belleza, el cual brinde la mejor atención y servicio a sus clientes, por lo que se ha preocupado por tomar cursos de belleza para especializarse y estar en plena capacidad para atender su microempresa.

Agrega que le llena de motivación y orgullo el hecho de tener su propio negocio. De esta forma podrá colaborar con los gastos familiares y ofrecer a su comunidad un servicio necesario, tomando en consideración que es una comunidad con muchos habitantes, quienes se ven en la necesidad de desplazarse hacia otros lugares para obtener ese servicio. Asegura trabajar con mucho esmero, dedicación y disciplina para llevar hacia delante el proyecto.

Doña Ruth Nory requiere un préstamo de ¢600.000 (seiscientos mil colones) para comprar una silla especial, una secadora, una plancha para cabello, un “lava cabezas”, un juego de sala y una cosméticos varios. Además de diferentes materiales de construcción para acondicionar una aparte de su casa para el desarrollo del proyecto.

Ella forma parte de la Empresa de Crédito Comunal de Abanico, una de las 100 organizaciones socias de EDESA en Costa Rica. Como socia ha recibido un total de 2 microcréditos que le han permitido crecer como empresaria permitiéndole comprar su máquina de coser y atender las necesidades de su hogar.

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
  • 12
    View loans »
    Costa Rica Loans Fundraising
  • $4,059,650
    Funds lent in using Kiva
  • 570.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Ruth Nory to purchase equipment.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Apr 22, 2009
Listed
Apr 16, 2009
Currency Exchange Loss:
Covered
Ended:
Oct 16, 2010