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Carolina Patricia
Carolina is 33 years old and lives with her two small children in La Esperanza, a small rural community located in San Jose de Upala, Alajuela Province, Costa Rica. The region is dedicated to commerce, cattle-raising (for both meat and milk) and agriculture.


Recently, Carolina was separated from her husband and since her two children are small, she wished to start a micro-enterprise, installing a small restaurant serving local dishes in her own home. She says that in this manner she could help with household expenses and she would not have to go out of the house, leaving her children. In the past, she has worked in restaurants large and small, giving her sufficient experience. Also, she has seen that it is a very good business and that it would be well received in her community.


She needs to borrow $1,175 to buy merchandise to sell, plus a refrigerator, a deep fat fryer, and a blender, among other utensils necessary to start her business. This would enable her to provide good service to her neighbors.


Carolina belongs to La Esperanza Womens Community Credit organization, which helps women who are non-professionals or heads of households. It is one of 100 organizations associated with EDESA in Costa Rica. This will be her first loan. With it she hopes to continue her personal and economic development and to participate actively in the credit organization in her community.

View original language description ↓
Carolina Patricia T. R. es una señora de 33 años de edad, quien vive, en una pequeña comunidad rural de Costa Rica llamada La Esperanza localizada en San José de Upala, Provincia de Alajuela. Ahí se desarrollan actividades como el comercio, ganadería de doble propósito (carne y leche) y agricultura. Doña Gloria vive con sus dos pequeños hijos.

Hace poco tiempo doña Carolina se separó de su esposo y debido a que sus dos hijos están pequeños ella desea incursionar como microempresaria instalando una “soda” (un pequeño restaurante de comida criolla) en su propia casa. Dice que de esta forma podrá ayudar con los gastos en su casa y que además no tendrá que salir de su casa y dejar a sus hijos. Ella comenta que en el pasado ha trabajado en diferentes restaurantes y “sodas” por lo cual tiene bastante experiencia; también ha visto que es un muy buen negocio y que en su comunidad habría una muy buena aceptación.

Actualmente ella necesita un préstamo por ¢685,000 (seiscientos ochenta mil colones) específicamente comprará mercadería para vender, también una refrigeradora, una freidora, una licuadora entre otros utensilios que necesita para iniciar el negocio, y así podrá brindar un buen servicio a sus vecinos.

Doña Carolina es socia de la Empresa de Crédito Comunal de Mujeres la Esperanza; la cual está integrada solo por mujeres, ya que se especializa en apoyar a mujeres no profesionales y jefas de hogar, es 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 además de participar activamente en la organización de crédito en su comunidad.

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
  • 57
    View loans »
    Costa Rica Loans Fundraising
  • $4,320,650
    Funds lent in using Kiva
  • 585.6
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Carolina Patricia pURCHASE OF UTENSILS AND MERCHANDISE.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Aug 24, 2009
Listed
Aug 16, 2009
Currency Exchange Loss:
Possible
Ended:
Sep 25, 2012