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Roxana María
Roxana V. F. is a young lady, 25 years of age, who lives with her husband and two children. The community where they live is called El Sauce de Santa Teresita de Turrialba, in Cartago Province.
It's a small rural community of some 2,000 residents. The townspeople work at producing milk and growing coffee.
The area has a varied terrain and much of the land is preserved as tropical rain forest. The community has very picturesque scenery which combines tropical forest with two beautiful lagoons, coffee plantations and dairy farms. El Sauce is located about 90 minutes by bus from the nearest commercial center, Turrialba. However, at various times of the year the road is impassable due to the flooding that afflicts the area. This is without a doubt one of the principal challenges for the community.
When there was nothing to do, many people decided to leave to look for work in Turrialba or in the banana plantations located in the Atlantic zone of Costa Rica. Currently the prices for coffee and milk have improved and therefore the locals are looking to invest in projects in this area so as to avoid having to migrate.
Doña Roxana works at producing milk and cheese as a way of generating income for her family. She say she is very satisfied because thanks to this project she has been able to get ahead and help her husband with the expenses for their household and the children.
The cheese from the region where she lives, José Eduardo, is famous throughout Costa Rica. It is a "queso fresco" (fresh cheese) which is traditionally known as Turrialba-style. Ticos, as Costa Ricans are called, love to consume this product and it is found on the table as an accompaniment to all types of food. For this reason the market for this product is quite good.
Doña Roxana would like to obtain a micro-credit loan of 500,000 Colons in order to buy another milk cow so as to increase milk production. She knows that having another cow is a great sacrifice and will require more work. However, the desire to be a successful small businesswoman and to get started improving her family's living conditions motivates her to exert herself with great care and dedication.
Doña Roxana is a client of the Producers' Association of El Sauce, a member organization of EDESA Micro-Finance. This will be her first loan and she hopes to continue growing both personally and economically.
View original language description ↓
Roxana V. F. es una joven señora de 25 años de edad. Vive con su esposo y sus dos hijos.
La comunidad en la cual vive doña Roxana 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.

Doña Roxana se dedica a la producción de leche y queso como una forma de generar ingresos para su familia. Dice estar muy contenta porque gracias a este proyecto ha podido salir adelante y ayudarle a su esposo con los gastos de la casa y de los niños.

El queso de la región donde vive José Eduardo 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. Por esta razón, el mercado para dicho producto es realmente bueno.

Doña Roxana desea obtener un micro crédito por un monto de ¢500.000 (quinientos mil colones) para comprar una vaca lechera más y así aumentar la producción de leche. Ella sabe que contar con una vaca más es un mayor sacrificio y demandará más trabajo. Sin embargo, el deseo de ser una microempresaria exitosa y sacar adelante a su familia mejorando las condiciones de vida, la motiva a esforzarse con gran esmero y dedicación.

Doña Roxana es cliente de la Asociación de Productores de El Sauce, una organización local socia de la micro financiera EDESA. Este será su primer préstamo y con él espera continuar creciendo a nivel personal y económico

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
  • 570.4
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Roxana María comprar una vaca lechera.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Jun 19, 2009
Listed
Jun 8, 2009
Currency Exchange Loss:
Covered
Ended:
Jul 15, 2011