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Mayubel is 45 years old. She is married to Freddy Chavarría Guillén. Mayubel sells clothing door-to-door in her neighbourhood. Freddy works in construction. The couple lives with their 3 sons in Turrialba, a rural region in the central valley of Costa Rica. Her full-time job is a domestic worker in a household of 3 grown men and one child. Despite the heavy workload of cooking and cleaning for her sons and husband, she is determined to contribute to the family’s income. This is why she dedicates at least 3 days a week, between domestic jobs and when her youngest son is in school, to her clothing business.

Since 2006, Mayubel has successfully paid back, on time and in full, consecutive loans in the amounts of 100,000, 200,000 and 300,000 colones. Mayubel is now applying for a loan of 500,000 colones that she will use to buy more items for her inventory in bulk show she can bet better prices from her suppliers. She is happy to be applying for a larger amount than she has in the past. Mayubel wants to purchase a new sewing machine so she can make her own clothes to sell. At the moment, she has one machine, but it is very old and doesn’t work very well.

Mayubel opened her business in 2006 with 100,000 colones. Before her business, she had a domestic worker job that required her to travel from Turrialba to Tres Rios (a 90-minute bus ride each way) every day. She worked for 7 years in a house as a domestic worker and was paid 6000 colones per day, which is the same amount she now earns by selling 2 shirts.

Having only completed primary school, Mayubel has few options for employment. Domestic work did not pay well and the job left her exhausted. She started her business as an alternative to domestic work. Now, she says she enjoys her work, and takes pride in being able to make a more significant contribution to family income. In a good month, she can earn 300,000 colones and in a bad month, she still earns 200,000 colones.

Mayubel tailors her business to a range of clients by offering a variety of clothing, for men, women and children. Her sister-in-law makes underwear, which Mayubel can purchase at a good price. The rest of her inventory comes from San Jose, the capital of Costa Rica.

Mayubel is proud to report that her youngest son is very intelligent. She wants to save enough money to enable him to attend university. Her other two sons never finished high school and now work with their father in construction.

The field consultant who has worked with Mayubel since 2006 describes her as very shy and insecure. Having loans in her name and handling money has made her visibly more confident in making decisions. Rural areas, such as Turrialba, are characterized by many difficulties such as a lack of job opportunities, infrastructural deficiencies, low levels of formal education and lack of available financial services. By lending to Mayubel, you are making a direct investment in the improvement of the life of her and her family, enabling them to help themselves.

Additional Information

More information about this loan

In Costa Rica, funding for microfinance institutions is hard to come by, and many institutions find themselves having difficulty growing and reaching all the demand for loans that exist. Kiva works with Fundacion Mujer because it attends a very marginalized population in Costa Rica, with a specific focus on women. In addition to the loan, Fundacion Mujer provides specialized training programs for their borrowers on everything from computer classes to salon training. Because of the difficulty in obtaining capital in Costa Rica, Fundacion Mujer cannot serve all the women that need loans. Therefore Kiva plays a unique role in helping Fundacion Mujer grow its portfolio and reach borrowers it otherwise would not be able to.

About Fundacion Mujer:

Fundación Mujer is an organization specializing in the financial and personal development of female entrepreneurs in Costa Rica. They seek to reach underserved populations that may include indigenous communities, immigrants, refugees, victims of domestic violence or women living with HIV/AIDS. Fundación Mujer offers courses in both business and personal development, as well as training in concrete skills such as sewing and other crafts.

About Costa Rica

  • $12,900
    Average annual income
  • 58
    View loans »
    Costa Rica Loans Fundraising
  • $4,673,875
    Funds lent in using Kiva
  • 566.8
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Mayubel to buy raw materials for her business.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Dec 11, 2009
Dec 8, 2009
Currency Exchange Loss:
Jul 15, 2011