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Esther is a young woman of 28 years old, and her references describe her as a hard worker who is responsible and honest. She married in 2003 and has since supported her partner in the household expenses, they have a 5 year old daughter and Esther hopes to establish her own business in her own premises (a shoe store). She handles products from 2 catalogs and buys items from stores which have offers and promotions, which she then resells for a profit so that she can contribute to the household and caring for her daughter.

Esther started selling cosmetics and lingerie after her marriage in 2003 with 30,000 colones she made from the sale of several of her husband's books, she then bought goods to resell. To date she has maintained the same system and pays her bills on time, and prefers to work in cash. She maintains an active portfolio of 25 clients and a home inventory to cover occasional orders.

Esther gets up and attends to her husband who goes to work, she then leaves her daughter with a relative and leaves the house at noon, a routine that she performs 3 times per week. Her main challenge is transportation and capital, and she requires this loan to cover the orders for the end and beginning of the year as it's the busiest time to trade.

This is a stable occupation, and Esther maintains the pace of purchases and sales throughout the year, providing a constant income. She has had her business for 8 years, has good references and manages a portfolio of fixed customers and a period of steady recovery. She sells ​​quality merchandise and is endorsed by a good brand.
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Mujer joven, tiene 28 años, se presenta como una persona trabajadora, responsable y honesta, según las referencias suministradas. Se caso en el 2003 y desde entonces ha apoyado a su pareja en los gastos del hogar, tiene una hija de 5 años y sueña con establecer su propio negocio en un local (una zapatería). Maneja productos de 2 catálogos y compra en tiendas ofertas y promociones para revender, obteniendo su ganancia, aportando al hogar y al cuido de su hija.

Vende cosméticos y ropa interior inició después de su matrimonio en el 2003 con C 30.000 colones obtenidos por la venta de varios libros que tenía su esposo, compró mercadería y la revendió, hasta la fecha mantiene este mismo ritmo ya que sus facturas se pagan respetando los plazos de las empresas, prefiere trabajar de contado. Mantiene una cartera activa de 25 clientes y un inventario en su casa para cubrir pedidos ocasionales.

Ella se levanta y atiende a su esposo que sale al trabajo deja a su hija con un familiar y sale después de medio día, esta rutina la realiza 3 veces por semana. La limitante mayor es el transporte y el capital, por esta razón solicita este préstamo para cubrir los pedidos de fin y principio de año que es una buena época para el comercio.

Es una actividad estable, manteniendo un ritmo de compras y ventas durante todo el año, sus ingresos son constantes. La actividad tiene 8 años de trabajo, presenta buenas referencias de compra y maneja una cartera de clientes fija y un período de recuperación estable. Vende mercadería de calidad y respaldada por una marca.

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
  • 39
    View loans »
    Costa Rica Loans Fundraising
  • $4,441,500
    Funds lent in using Kiva
  • 498.1
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Esther sell products from catalogues, mainly cosmetics and lingerie.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 21, 2011
Dec 25, 2011
Currency Exchange Loss:
Jun 18, 2013