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Vilma
Vilma is a 40-year-old woman who lives with her 2 boys and 1 small girl in a community called Canalete, located in Upala, Alajuela province. This is a semi-mountainous area and its economic activities focus on agriculture and, principally, cattle ranching. The community offers great opportunities to develop and establish micro-enterprises in both agro-industry and commerce.


Vilma has had her own business, a small grocery store, for 4 years. She sells basic products to her neighbors. The store has proven to be profitable and it's the only source of income she has. It has helped improve her family's quality of life.


At present, she needs a loan of 600,000 colons to buy more merchandise and increase her inventory. Specifically, she wants to buy basics such as rice, beans, vegetables, canned goods, soft drinks, soap, sweets, and all that may be found in the rural Costa Rican's basic basket. Vilma comments that the service she offers is very important since no other grocery store exists in the zone and as a result, she has many customers.


Vilma is a member of the Canalete Community Credit Enterprise, one of the 100 organizations belonging to EDESA in Costa Rica. This will be her first loan and she hopes to continue growing at the personal and economic level, as well as to participate actively in the credit organization in her community.

View original language description ↓
Vilma R. V. es una señora de 40 años de edad quien vive con sus dos hijos y su pequeña hija en una comunidad llamada Canalete localizada en Upala en la provincia de Alajuela, es un lugar semimontañoso y sus actividades económicas se centran en la agricultura y mayormente en la ganadería. Es una comunidad con una gran oportunidad de desarrollo y establecimiento de microempresas, tanto de agroindustria como comercio

Doña Vilma tiene cuatro años de tener su propio negocio exactamente una pulpería (tiendita de abarrotes) ahí vende productos básicos a sus vecinos; con este negocio ha logrado tener una actividad económica rentable que ya que es la única fuente de ingresos que tiene y la ha ayudado a mejorar la calidad de vida de su familia.

Actualmente ella necesita un préstamo por ¢600.000(seiscientos mil colones) para comprar más mercadería y así surtir el inventario. Específicamente comprará abarrotes básicos como arroz, frijoles, verduras, productos enlatados, refrescos, jabón, golosinas y todo lo que se refiere a la canasta básica del costarricense que vive en las zonas rurales. Doña Vilma comenta que el servicio que ella brinda es muy importante ya que no existen otra pulpería muy cerca de la zona por lo tanto tiene bastantes clientes.

Doña Vilma es socia de la Empresa de Crédito Comunal Canalete, 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
  • 62
    View loans »
    Costa Rica Loans Fundraising
  • $4,316,600
    Funds lent in using Kiva
  • 560.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Vilma tO PURCHASE MERCHANDISE FOR HER GROCERY STORE.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Nov 20, 2009
Listed
Nov 19, 2009
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2012