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Shirley Marín C. is 33 years old. She studied up to her sixth year of elementary school. She lives with her young children, her husband and her dad. This is her third loan from Fundación Mujer. Shirley invested her previous loans in her business selling products through catalogs. At the same time, she runs a childcare facility in her home. She has displayed very good repayment behavior and has managed to improve her business, increasing her sales levels.

Shirley has been selling perfumes for more than five years, working from home. In the mornings, she looks after her house and starts to greet the children who she looks after in her childcare facility since their parents work in San José. She is in charge of sending them to school, looking after them and feeding them until their parents get home in the afternoon.

Some of Shirley's daily activities are visiting her customers, collecting orders and attending to her housework. One of her goals is to strengthen a new business hiring out table linen. However, her main goal with this loan is to strengthen her main business selling perfumes (she sells her products to the parents of the children that she looks after). She would also like to provide the children with a better service.

The benefits of this loan will be enormous since the loan will enable Shirley to grow as a small businesswoman and improve her family's living conditions.
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Shirley Marín C.
Operación 2011-94
500000 colones

Shirley Marín C. tiene 33 años de edad, estudio hasta sexto año de primaria, vive con sus hijos menores de edad, su esposo y su papá, este es su tercer crédito con Fundación Mujer, los cuales ha invertido en su negocio de ventas por catálogo, al mismo tiempo, en su casa, maneja una guardería, ha presentado una muy buena conducta de pago y ha mejorado su negocio aumentando su nivel de ventas.
La clienta se dedica al comercio de perfumes desde hace mas de 5 años, ella trabaja desde su casa, por las mañanas atiende su casa y empieza a recibir a los niños que cuida en su guardería, ya que sus padres trabajan en San José, ella se encarga de enviarlos a la escuela, cuidarlos y darles comida hasta el regreso de sus papás en la tarde.
Entre sus labores diarias esta la visita a sus clientes, recoger pedidos y atender las labores del hogar. Una de sus metas es fortalecer un nuevo negocio de alquiler de mantelería, pero su principal objetivo con este crédito es fortalecer su negocio principal y que es la perfumería, que vende a los padres de los niños que cuida, además darles un mejor servicio a los niños.
El beneficio con el crédito sería enorme, ya que pondría crecer como microempresaria y mejorar las condiciones de vida de su familia.

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
  • 38
    View loans »
    Costa Rica Loans Fundraising
  • $4,441,500
    Funds lent in using Kiva
  • 496.6
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Shirley to buy perfumes and to strengthen a new area in which she is working - hiring out table linen. Her loan will allow her to incorporate working capital into her business in order to improve her customer service.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Apr 15, 2011
Apr 27, 2011
Currency Exchange Loss:
Oct 16, 2012