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Nube Luz
Nube Luz is 45 years old and she lives with her family in a community in the province of Guanacaste called Guaitil. The Guanacaste area's economy is founded mainly on ranching, though beekeeping and farming are also practiced in the region.

For several years now, Nube Luz has made and sold ceramic decorations for a living. She buys raw material and works it, finishes it, and sells it on the market. She has had good results from this business as she has been very successful in her community.

She has been able to offer another person work, as the finishing process is very delicate and she also needs to go out and sell her products.

Nube Luz is currently asking for a loan for 300,000 colones to buy raw material, in other words raw clay, as well as to buy paints and other materials needed to complete her projects.

Nube Luz is a member of the Empresa de Crédito Comunal de Guaitil Communal Bank and she is very thankful for the opportunity to have the access to credit that the bank offers her and to be able to complete her life's projects.
View original language description ↓
Nube Luz tiene 45 años de edad y vive con su familia en una comunidad de la provincia de Guanacaste llamada Guaitil. La economía de la zona de Guanacaste se fundamenta principalmente en la ganadería, aunque también en esta región se practican la apicultura y agricultura.

Desde hace varios años que Nube Luz se dedica a hacer adornos de cerámica y venderlos. Ella compra la materia prima y la trabaja, le hace acabados y la vende al comercio. En este negocio los resultados han sido buenos, ya que ha tenido una gran aceptación en su comunidad.

Ella ha podido dar trabajo a otra persona , ya que el proceso de los acabados es bastante cuidadoso y necesita también salir a vender el producto.

En estos momentos lo que Nube Luz solicita es un préstamo por ¢300,000(trescientos mil colones) para la compra de materia prima o sea la cerámica en crudo, y además comprar pinturas y otros materiales necesarios para realizar el proyecto.

Nube Luz es miembro de la Empresa de Crédito Comunal de Guaitil S.A, razón por la cual se siente muy agradecida por las oportunidades de acceso al crédito que esta le brinda y poder llevar a cabo sus proyectos de vida.

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.

About Costa Rica

  • $12,900
    Average annual income
  • 55
    View loans »
    Costa Rica Loans Fundraising
  • $4,673,875
    Funds lent in using Kiva
  • 503.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Nube Luz to buy raw material to make crafts.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 28, 2012
Apr 2, 2012
Currency Exchange Loss:
Jul 18, 2013