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Andrés Moises
Andrés Moises C. O. is a young man who is 28 years old and lives with his parents, his wife, and their two small children in the community of Santa Fe, which is located in Los Chiles in the Alajuela Province. This community lies in a mountainous area and is near the northern border of the country. The principal business activities are livestock breeding and agriculture, specifically the cultivation of basic grains, sugar cane, and oranges.


Don Andrés raises cattle for two purposes: dairy products (milk and cheese) and meat sales. This is the means by which he generates income for his family. He says he is very happy because his business has grown significantly and he is now able to get ahead.


Don Andrés hopes to obtain a microloan of 685,000 colones to buy three additional steers so that he can increase his production. He knows that acquiring more cattle takes great sacrifice and demands more work. However, his desire to become a successful micro-entrepreneur and improve his family’s living condition motivates him to proceed with great care and dedication.


Don Andrés is a member of La Empresa de Crédito Comunal Manantial de Santa Fe, one of the 100 partner organizations of EDESA in Costa Rica. This is his second loan and he hopes to grow personally and financially. He is thankful for these type of organizations that facilitate credit so that he can spend more time focusing on productive activities.

View original language description ↓
Andrés Moises C. O. es un joven señor de 28 años de edad el cual vive con sus padres, su esposa y sus dos pequeños hijos en una comunidad llamada Santa Fe localizada en Los Chiles, provincia de Alajuela; está comunidad se destaca por ser una zona montañosa y por estar muy cerca de la frontera norte de nuestro país. Sus principales actividades económicas son la ganadería y la agricultura específicamente se da la siembra de granos básicos, caña de azúcar, naranja.

Don Andrés se dedica a la ganadería de doble propósito, tanto en producción de leche y queso como la venta de carne; ya que es una forma de generar ingresos para su familia. Dice estar muy contento porque su proyecto ha crecido bastante y gracias a el ha podido salir adelante.

Don Andrés desea obtener un micro crédito por un monto de ¢685.000 (seiscientos ochenta y cinco mil colones) para comprar tres novillos más y así aumentar la producción. El sabe que contar con más vacas es un mayor sacrificio y demandará más trabajo. Sin embargo, el deseo de ser una microempresario exitoso y sacar adelante a toda su familia mejorando las condiciones de vida, lo motiva a esforzarse con gran esmero y dedicación.

Don Andrés es socio de la Empresa de Crédito Comunal Manantial de Santa Fe, una de las 100 organizaciones socias de EDESA en Costa Rica. Este será su segundo préstamo y con él espera crecer más 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
  • 56
    View loans »
    Costa Rica Loans Fundraising
  • $4,320,650
    Funds lent in using Kiva
  • 581.4
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Andrés Moises purchase 3 steers.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Irregularly
Disbursed:
Oct 16, 2009
Listed
Oct 15, 2009
Currency Exchange Loss:
Possible
Ended:
Nov 15, 2012