Update on TraiceTraice is 28 years old. She now has a 4 month-old baby, and she lives with her husband, Greivin in her parents' home. She is an enterprising young woman who has a great desire to improve herself. She finished a university degree in physical therapy but, faced with difficulty finding work, she is now working in a trade that she learned more than 10 years ago, offering manicures and pedicures. Now she is specializing in the art of artificial nails.
Tracie found out about Fundación Mujer through a visit to a Women's Office in the town of Puntarenas. Tracie lives in Carrizal district, in Puntarenas, on the Central Pacific coast of Costa Rica. She has been training in the art of doing artificial nails and she wants to invest this loan in the purchase of supplies for this new endeavor, which should increase her income. She hopes to continue saving so that she can support her family and establish her own shop in the future.
She wants to provide her child with the opportunity to have a good quality life. In the morning, she takes care of her housework and, in the afternoon, either her customers start to arrive or she goes to visit them at home. With this loan, she will buy supplies for her business and continue to undergo training so that she can improve her service to her customers. The impact of this loan is of utmost important since it will give Tracie the opportunity to buy supplies and to support her family, saving up so that she can rent a house. Her repayment behavior is excellent and the references she has provided show her to be an honest and hard-working person.
Traice tiene 28 años de edad, en este momento su bebé tiene 4 meses y vive con su esposo Greivin, en la casa de sus padres. Es una joven emprendedora y con muchos deseos de superación, termino la carrera de Terapia Física en la Universidad, pero ante la dificultad de conseguir empleo, está trabajando en un oficio que aprendió hace mas de 10 años, el arreglo de uñas de pies y manos y actualmente se está especializando en la el arte de uñas artificiales.
Se enteró de Fundación Mujer por medio de una visita realizada a la Oficina de la Mujer en la Municipalidad de Puntarenas, vive en la zona de Carrizal de Puntarenas en la costa del Pacífico Central de Costa Rica, ella se ha estado capacitando en el arte de las uñas artificiales y desea invertir el préstamo en la compra de materiales para esta nueva labor, la cual le va a incrementar los ingresos y espera continuar ahorrando para apoyar a su familia y poner un local en el futuro.
Desea ofrecerle a su hijo la oportunidad de contar con una buena calidad de vida. Por la mañana atiende los oficios de la casa y en la tarde empiezan a llegar las clientas o va a visitarlas a domicilio. Con este préstamo, la solicitante va a adquirir materiales para su negocio y continuar capacitándose para mejorar el servicio a sus clientes
El impacto del crédito es de suma importancia, ya que les da la oportunidad de comprar materia prima y apoyar a su familia ahorrando para alquilar una casa, su moral de pago se muestra excelente, y las recomendaciones que presenta la acreditan como una persona horada y trabajadora.
Previous Loan DetailsTracie is 27 years old. Right now, she is 3 months pregnant and lives with her partner Greivin, in her parents' home. She is an entrepreneurial young woman who has a great desire to improve herself. She finished a university degree in physical therapy but, faced with difficulty finding work, s... More from Traice's previous loan »
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.
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.
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Success!! The loan was 100% repaid
- Repayment Term
- 20 months (Additional Information)
- Repayment Schedule
- Mar 15, 2012
- Mar 21, 2012
- Currency Exchange Loss:
- Jun 18, 2013
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.