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Karla
Profile: Karla
300,000 CRC [$625]
Puntarenas
Karla is thirty-seven years old, the mother of three children, and lives in Puntarenas, on the Central Pacific Coast of Costa Rica. She earned a diploma at a technical school and she has worked in accounting for several businesses, but her financial needs and her small children did not make it possible for her to continue working this way. She and her husband decided that she should stay at home since he works in the coast guard and is away for two weeks each month. As a result of their decision and her financial needs, she decided to invest her capital two years ago to start a micro business, which she still runs. She invested half her money renting a house and purchasing imitation jewelry. She began to sell the jewelry in her neighborhood and in establishments in the region, recouping the money she invested and earning a profit which she used to continue purchasing more merchandise. When she looked for an opportunity to grow her business, she went to the Women’s Office in Puntarenas where she was informed about the Fundación Mujer [Women’s Foundation]. She wants to increase her capital and be able to purchase other products so she can offer them to her customers and improve her earnings to provide for her household.

She receives 60,000 CRC [$119] in alimony for her eldest child. Her other two are provided for by her current husband. She is looking to grow her business since it has grown stronger in her region, but she has not yet earned enough to purchase products of greater value, like fashionable clothing and bags for women.

She is an enterprising woman who is used to working and developing her abilities in the best way possible. She has improved her quality of life since she has acquired her own home for her social well-being. Her biggest dream is to have her own store. Little by little, she keeps moving forward. She needs capital to diversify her merchandise and be able to grow her business, which is small but strong.
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Perfil Karla
C 300.000
Puntarenas.
Es madre de 3 hijos, tiene 37 años vive en la zona de Puntarenas, en él Pacífico Central de Costa Rica; obtuvo el bachillerato en un colegio técnico, ha trabajado en varias empresas en el área contable pero la necesidad económica y el tener hijos pequeños no le permitieron seguir de esta forma; ella junto a su esposo decidieron que estuviera en la casa ya que él trabaja como guardacostas y se ausenta 2 semanas al mes. Con decisión y ante la necesidad económica decide arriesgar un capital hace 2 años con el que inició, manteniendo hasta la fecha un micro negocio. Invirtió la mitad del dinero del alquiler de la casa, comprando bisutería y comenzó a venderla en su barrio y en las instituciones de la zona, recuperando el dinero y obteniendo una ganancia con la cual ha seguido comprando mercadería. Buscando la posibilidad de crecer se acerca a la Oficina de la Mujer de Puntarenas donde le brindan información de Fundación Mujer. Desea incrementar su capital y así comprar otros productos para ofrecer a sus clientes y mejorar los ingresos para el apoyo a su hogar.

. Ella tiene una pensión de 60000 colones por su hijo mayor y los otros dos son apoyados por su actual esposo. Ella busca el crecimiento de su empresa ya que se ha consolidado en su zona pero no le alcanza lo ganado para comprar otros productos de mayor valor como ropa y bolsos de moda, para damas.


Emprendedora acostumbrada a trabajar y desarrollar sus capacidades laborales de la mejor forma, han ido mejorando su calidad de vida, ya que adquirió una casa propia de bienestar social. Su mayor deseo es tener su propio bazar pero va avanzando poco a poco, si requiere de un capital para diversificar su mercadería y poder crecer con su negocio, el cual es pequeño pero consolidado.

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 Costa Rica

  • $11,100
    Average annual income
  • 11
    View loans »
    Costa Rica Loans Fundraising
  • $3,973,175
    Funds lent in using Kiva
  • 497.6
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Karla to purchase imitation jewelry, in addition to clothing and bags for women.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 27, 2012
Listed
Apr 28, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 19, 2013