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Update on Rosa

Rosa Obdulia is a 56 year old woman; she lives with her husband and children in a small town in Guanacaste called la Garita. La Garita is in a plain, its climate is very warm and most of the inhabitants work in cattle raising, agriculture and rural tourism.

For some years Rosa Obdulia has worked in her variety store/bookstore, she is in charge of her store and the neighbors in her community are very happy with the service she provides them. Rosa Obdulia says that she has the support and help of her husband who helps her continue working. She says that her work is very interesting since she has seen how her business and demand has grown.

At present Rosa Obdulia needs a loan of ¢600.000 (six hundred thousand colones) to buy educational materials for her business. She hopes that this investment will help her small company grow and improve her quality of life.

Rosa Obdulia is a member of La Garita Communal Bank, one of 150 member organizations of OEDESA in Costa Rica. This will be her second loan, and hopes to keep working in a more active way in these type of organizations.

View original language description ↓
Rosa Obdulia es una señora de 56 años que vive con su esposo e hijos en un pequeño pueblo 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 Rural.

Desde hace varios años Rosa Obdulia se dedica a su bazar/librería, tiene a cargo su local y los vecinos de su comunidad se muestran muy satisfechos por el servicio brindado. Dice que tener el apoyo y la ayuda de su esposo le facilita seguir con el proyecto. Además dice que el proyecto le es muy interesante ya que ha visto como poco a poco su negocio crece y la demanda cada vez es más fuerte.

Actualmente Rosa Obdulio está solicitando un micro crédito de ¢600.000 (seiscientos mil colones) para la compra de materiales didácticos para su negocio. Con esto ella espera hacer crecer más su microempresa y mejorar su calidad de vida.

Rosa Obdulia es socia de la Empresa de Crédito Comunal La Garita una de las 150 organizaciones socias de EDESA en Costa Rica. Este será su segundo crédito, y espera poder seguir participando de manera más activa en este tipo de organizaciones.

Previous Loan Details

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 lif... More from Rosa's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Costa Rica

  • $12,900
    Average annual income
  • 18
    View loans »
    Costa Rica Loans Fundraising
  • $4,502,650
    Funds lent in using Kiva
  • 507.2
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Rosa buy merchandize for her book and office supply store.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 17, 2012
Jan 30, 2012
Currency Exchange Loss:
Mar 29, 2014
This photo was used before for a previous loan for Rosa. It was first posted on Kiva on Jul, 2010. Learn More