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Bernarda is 55 years old. She lives in the city of Heredia with her husband, who has a mechanic's shop, and with three of her children, who are already grown. They have their own jobs, and only one of them is still in school. She also takes care of her grandson in the morning.

A long time member of Fundación Mujer, Bernarda makes blankets and comforters for beds. She also sells products via catalogue. About a year ago she began to sell appliances. This activity has been incorporated very well into her business, since she has a very exclusive clientele, due to her years of experience in business. Since they are expensive products (refrigerators, washers, televisions, and microwaves, among others), she requires a lot of capital. She has to pay her supplier upfront, and then the customer pays in twelve monthly installments, with a profit margin of more than 60%. The loan will be used to by various products of this type, since she has orders for Father's Day (coming up soon), as well as for Mother's Day (August 15).

This client has an excellent membership and impeccable history in regards to her payments.
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Doña Bernarda tiene 55 años de edad, vive en la ciudad de Heredia con su esposo quién tiene un taller de mecánica y 3 de sus hijos quienes ya son mayores de edad y cuenta con su propio trabajo, solo uno de ellos está estudiando todavía. Además la clienta cuida a su nieto por las mañanas.
De amplia trayectoria en Fundación Mujer, doña Bernarda se dedica a la confección de colchas y edredones para camas además de comerciar con productos de catálogo. Desde hace cerca de 1 año inició en la compra de electrodomésticos, actividad que se ha incorporado muy bien a su negocio ya que cuenta con una clientela muy exclusiva, dado los años de trabajo en el comercio. Al ser productos de un precio alto (refrigeradoras, lavadoras, televisores, microondas, entre otros) requiere de un capital importante, ya que ella lo debe pagar de contado a su proveedor y después ella al cliente le cobra doce cuotas mensuales, teniendo un margen de ganancia superior al 60 %. El préstamo será dirigido a la compra de varios productos de este tipo, ya que tiene pedidos para el día del padre (próximo a celebrarse) y también para el día de la madre (15 de Agosto).

La clienta cuenta con una excelente trayectoria y un historial impecable en lo que respecta a la conducta de pago.

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
  • 10
    View loans »
    Costa Rica Loans Fundraising
  • $4,502,650
    Funds lent in using Kiva
  • 502.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Bernarda to acquire appliances at this time. This is a new business and it is producing good earnings.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 8, 2011
Jun 12, 2011
Currency Exchange Loss:
Oct 16, 2012