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Esmeralda lives in the 20 de Noviembre neighborhood in Puntarenas, a place with much poverty and social problems. She is 48 years old and lives alone. She manufactures clothing and other garments that she makes on her machines in a small home-based workshop. She makes bathing suits, pants, shirts, underwear and blouses, among others.

This loan’s objective is to buy more raw materials to make these garments and take advantage of the beginning of the summer season which is when commerce along this coastal zone increases. Street markets and other activities take place along a street that’s full of tourists who want to buy the various items offered there. She rises early to straighten up the house and then makes the items she has on order from customers to deliver them in the evening.

Among her goals, staying positive in the face of economic and work problems stands out as well as treating her customers well, charging fair prices and putting the best of herself into each garment she makes. She’s had no problems at work so far but if they do crop up she will face them with much dynamism.
View original language description ↓
Esmeralda vive en el Barrio 20 de Noviembre en Puntarenas, lugar de mucha pobreza y problemas sociales, ella tiene 48 años de edad y vive sola, se dedica a la fabricación de ropa y otras prendas que elabora con sus máquinas en un pequeño taller en su casa. Se dedica a hacer trajes de baño, pantalones, camisas, ropa intima, blusas entre otros.
El objetivo de este préstamo es comprar materia prima para la elaboración de estas prendas, aprovechar la entrada de la época de verano que incrementa el comercio en esta zona costera. Se realizan ferias y otras actividades sobre una calle llena de turistas que desean adquirir varios productos que allí se ofrecen. Ella se levanta temprano y deja la casa arreglada, realiza luego los encargos de los clientes y va a distribuirlos por la tarde.
Entre sus metas destaca el ser positiva ante los problemas de trabajo y económicos que se enfrenta, tratar bien a sus clientes cobrando lo justo y dar lo mejor de sí en cada prenda que elabora. En el trabajo no ha tenido problemas pero si surgen los va a enfrentar con mucho dinamismo.

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
  • $4,501,700
    Funds lent in using Kiva
  • 502.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Esmeralda to buy clothesmaking supplies.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 15, 2011
Nov 17, 2011
Currency Exchange Loss:
Jun 18, 2013