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Norma
Norma Hernández is a lady of 47 years that lives with her husband and 2 of their 4 children in a community of Costa Rica called Buena Vista de Rivas de Pérez Zeledón. This community is known for being located in the Valley of the General. Its main economic activities are stockbreeding, agriculture, tourism and commerce. The last two have grown to a large extent offering new work opportunities.

Approximately 10 years ago Doña Norma had the idea to start their own family business, which consisted of the agro-industry of fruits harvested in the area. Their products are already very well known in the community for their quality, besides which they offer different by-products such as juices, marmalades, and even yogurt.

At this time Doña Norma is requesting a loan of 666,000 colones to finance a project that consists of making containers and labels for their products. This project, besides serving to develope the business, follows the measures of sustainable development that characterize the zone.

Doña Norma is an associate of the Business of Communal Credit VISTABAN S.A., one of the 100 associated organizations of EDESA in Costa Rica. This will be her seventh loan and with it she expects to continue growing on an economic and personal level. She also emphasizes that, thanks to this type of organization and their facilitating credit, she has been able to move her business ahead and become a successful micro-businesswoman.
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Norma Hernández es una señora de 47 años que vive con su esposa y 2 de sus 4 hijos en una comunidad de Costa Rica llamada Buena Vista de Rivas de Pérez Zeledón; está comunidad se destaca por estar ubicada en el Valle del General. Sus principales actividades económicas son la ganadería, la agricultura, Turismo y comercio estos últimos han crecido en gran manera brindando nuevas oportunidades de trabajo.

Hace aproximadamente 10 años Doña Norma tuvo la idea de iniciar con su Familia su propio negocio. El cual consistía en la agroindustria de frutas cosechadas en la Zona. Sus productos son ya muy conocidos en la comunidad por su calidad, además de que ofrecen diferentes derivados tales como jugos, mermeladas, y hasta yogurt.

En esta ocasión Doña norma está solicitando un crédito de ¢666,000
( seiscientos sesenta y seis mil colones) para el financiamiento de un proyecto que consiste en la elaboración de Envases y etiquetas para sus productos. Este proyecto además de que servirá para el desarrollo de la empresa va de acuerdo a las medidas de desarrollo Sostenible que caracteriza la zona.

Doña Norma es socia de la Empresa de Crédito Comunal VISTABAN S.A, una de las 100 organizaciones socias de EDESA en Costa Rica. Este será su séptimo 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 es que ha podido sacar su empresa adelante convirtiéndose en una microempresaria exitosa.

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
  • 50
    View loans »
    Costa Rica Loans Fundraising
  • $4,298,650
    Funds lent in using Kiva
  • 555.6
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Norma to make containers and labels for their fruit-based products.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Apr 23, 2010
Listed
Apr 23, 2010
Currency Exchange Loss:
Possible
Ended:
Sep 21, 2011