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Julia Catalina
Julia Catalina H. T. is 37. She lives with her husband and their three children in a community called El Saíno e Pital, which is located in the Alajuela province. The principal productive activities there are livestock and agriculture. Growing pineapple stands out because it is primarily sold in the international markets. For this reason, the development of the community has been growing in the last few years. This generates a larger demand for products and services, which helps mitigate the effect of immigration.

Julia has a beauty salon in her house. This way she helps her husband with the household expenses and their children’s expenses. Now, in order to increase her source of income she wishes to sell natural products. She will start selling in her beauty salon. She will also sell door to door in her community.

To do that, Julia wishes to get a loan for ¢585,000 (five hundred eighty five thousand colones) to buy merchandise and the products necessary to start her new project. She is very enthusiastic about starting. Little by little her business will grow in quality and quantity.

Julia is a member of the Women’s Communal Credit Union Luz del Futuro Saino, which is one of the 100 partner organizations of EDESA in Costa Rica. This will be her second loan. She hopes to continue growing on a personal and economic level. Thanks to this type of organization and their methods of facilitating loans, she can spend more time on productive activities.
View original language description ↓
Julia Catalina H. T. es una señora de 37 años de edad quien vive con su esposo y sus tres hijos en una comunidad llamada El Saíno de Pital localizada en la provincia de Alajuela; cuyas principales actividades productivas son la ganadería y la agricultura, donde destaca el cultivo de la piña; siendo estas comercializadas principalmente en los mercados internacionales. Por esta razón, el desarrollo de la comunidad ha venido creciendo en los últimos años generando una mayor demanda de productos y servicios, lo que ayuda a mitigar el efecto de inmigración.

Doña Julia tiene un salón de belleza en su casa dice que así ayuda a su esposo con los gastos de la casa y de sus hijos; pero ahora para ampliar su fuente de ingresos desea incursionar como vendedora de productos naturales, dice que iniciará vendiendo en su salón de belleza y casa por casa en su comunidad.

Por lo cual, doña Julia desea obtener un préstamo por ¢585,000 (quinientos ochenta y cinco mil colones) para comprar la mercadería y productos necesarios para iniciar con su nuevo proyecto. Dice estar muy entusiasmada por iniciar y espera que poco a poco su negocio crezca en calidad y cantidad.

Doña Julia es socia de la Empresa de Crédito Comunal Luz del Futuro Saino, una de las 100 organizaciones socias de EDESA en Costa Rica. Este será su segundo 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
  • 0
    View loans »
    Costa Rica Loans Fundraising
  • $4,023,725
    Funds lent in using Kiva
  • 585.6
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Julia Catalina buy merchandise.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 21, 2009
Listed
Sep 1, 2009
Currency Exchange Loss:
Possible
Ended:
Sep 25, 2012