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Esteban
Esteban M. S. is a 21 year old single man who currently lives with his parents and his grandmother. Esteban lives in the El Sauce de Santa Teresita Turrialba community in the Cargao province. It is a small rural community with approximately two thousand inhabitants. The community members work at milk production and planting coffee. The landscape is irregular, and much of the land is humid tropical rain forest. The community has very colorful scenery that combines the tropical rainforest with two pretty lakes, coffee plantations, and dairies. El Sauce is located approximately an hour and a half by bus from Turrialba, which is the closest commercial center. Nevertheless, several times a year the road becomes impossible to use because of the rains that batter the area. This is, without doubt, one of the biggest challenges for the area.

When there was no work, many people chose to leave to look for work in Turrialba or in banana farms located in the Atlántic zone of Costa Rica. Currently, the coffee and milk prices have improved. Therefore, the members of the neighborhood are looking for ways to invest in projects in their own zone in order to avoid emigrating.

As part of the solution to this situation, two years ago a cheese making plant was set up in the community. It is the property of the Association of Milk Producers of El Sauce. This motivated Esteban to set up milk production to later sell to the plant. His family has been in this business for a long time. That is why he has been able to pay attention to all of the necessary details. Over time he has received instructions from his family.

The cheese from the region where Elvin lives is famous throughout Costa Rica. It is a fresh cheese that is traditionally known as “queso tipo Turrialba” (Turrialba type of cheese). The “ticos” (inhabitants of Costa Rica) really like to eat this product, which you will find on their tables as an accompaniment to all types of food. For that reason, the market for the product is really good.

Esteban wants a loan for $500 to buy a milking cow in order to set up his business. He wants to be a successful entrepreneur and be able to help his family get ahead. That is one of the things that motivate him to put forth effort and work very hard.

Esteban is a member of the Association of Producers of El Sauce, one of the one hundred organizations belonging to the micro finance association Edesa. This will be his first loan, and he hopes to continue growing on a personal and economic level. Thanks to this type of organization and their means for facilitating loans, he can spend more time on productive activities.
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Esteban M. S. es un joven de 21 años de edad, soltero el cual vive actualmente con sus padres y su abuela.

La comunidad en la cual vive Esteban 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 Esteban a iniciar en la producción de leche para luego venderla a esta planta.
Asegura que su familia se ha dedicado a esta actividad durante mucho tiempo, por lo que ha podido experimentar todos los cuidados que demanda, además de la instrucción recibida por parte de sus familiares a lo largo del tiempo.

El queso de la región donde vive Esteban 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.

Esteban desea obtener un micro crédito de ¢500,000 (quinientos mil colones) para comprar una vaca lechera y poder iniciar con su negocio ya que desea ser un microempresario exitoso y así poder ayudar a que su familia siga adelante esto es una de las cosas que lo motiva a esforzarse y trabajar con mucho esmero.

Esteban es socio de la Asociación de Productores de El Sauce, una de las 100 organizaciones socias de EDESA en Costa Rica. Este será su primer préstamo y con él espera continuar creciendo a nivel personal y económico. También destaca que gracias a este tipo de organizaciones y medios facilitadores de crédito puede dedicar más tiempo a las actividades productivas.



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
  • 7
    View loans »
    Costa Rica Loans Fundraising
  • $3,978,825
    Funds lent in using Kiva
  • 578.6
    Costa Rica Colones (CRC) = $1 USD