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Rosa is 54 and lives with her husband and 3 children in a small community in Guanacaste called La Garita. It is located on a plain with a very warm climate where activities such as cattle-raising, agriculture, and tourism, among others, occur.

With the desire of improving her condition of life and that of her family, Rosa sought different alternatives and just a little over 1 year ago, she launched a business. Precisely, a book store and shop in her house, offering different types of paper and office supplies such as pencils and pencil cases, notebooks, glue, plus photocopying services, among many other things. The business has been well received in her community, since previously no local store offered these things. At present, what Rosa wants is to solicit a loan for 500,000 colons to buy merchandise and improve her inventory. With this she hopes that her micro-enterprise will grow and begin to generate more income and improve her condition of life.

Rosa is a member of the Empresa de Crédito Comunal La Garita, one of EDESA's 100 member organizations in Costa Rica. This will be Rosa's 2nd loan and she hopes to participate even more actively in these types of organizations in the future.
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Rosa A. O. es una señora de 54 años que vive con su esposo y 3 hijos en una pequeña comunidad en Guanacaste llamado la Garita. La garita es una planicie de clima bastante cálido donde se desarrollan actividades tales como la ganadería, Agricultura y el turismo, entre otros.

Con el deseo de mejorar su condición de vida y la de su familia Doña Rosa buscó alternativas diferentes y desde hace poco más de un año inició un negocio, exactamente un bazar-librería en su casa, en el cual ofrece: diferentes tipos de papel, artículos para oficina como lapiceros, lápices, cuadernos, goma, además de servicio de fotocopiado entre otras muchas más cosas. Dice que le ha ido muy bien ya que en su comunidad ha tenido mucha aceptación puesto que antes no había un lugar que brindara ese servicio.

En estos momentos lo que desea doña Rosa es solicitar un préstamo por ¢500,000 (quinientos mil colones) para comprar mercadería para mejorar su inventario. Con esto espera que su microempresa crezca y llegue a generar más ingresos para mejorar su condición de vida.

Doña Rosa es socia de la Empresa de Crédito Comunal La Garita una de las 100 organizaciones socias de EDESA en Costa Rica. Este será su segundo crédito, y espera poder seguir participando de manera más activa con este tipo de organizaciones.

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

  • $12,900
    Average annual income
  • 9
    View loans »
    Costa Rica Loans Fundraising
  • $4,502,650
    Funds lent in using Kiva
  • 514.8
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 2, 2010
Jul 28, 2010
Currency Exchange Loss:
Sep 25, 2012