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Gilma
Gilma is a hard-working woman. In her native Nicaragua, she obtained a baccalaureate and studied accounting but to due to poverty and looking for a better future for her children, she came to Costa Rica close to twenty years ago. With effort and work she acquired her own home where she lives with her spouse and their children. She is very interested in putting into practice her beauty knowledge and to manage her own business, given her accounting education and her abilities in the area of beauty.

With the help of her family and her own effort, she has qualified and acquired the necessary equipment for beauty and barber work. She needs some capital to buy a barber chair, a hair washing sink, mirrors, and to fix the lighting in the shop, among other things, with the objective of opening her doors and offering this service along with her friend.

She completed an income projection in accordance with experience with customers from previous jobs, in addition to information gained from a microenterprise course that helped her.

She rises early and readies lunch for her children and spouse and sends her young daughter to school. Later she goes to her salon where she works from 9AM to 5PM, returning home at the end of the day. She trained in the area of beauty and barbering and along with a colleague who specializes in massage and feet, they decided to open a salon in the area of San Antonio del Tejar in Alajuela. She has worked in this branch since 2009 and has been accredited with the titles for the development of this activity, which has the support of the Ministry of Education of Costa Rica. Her dream is to have a chain of salons in the area where she lives.
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Gilma
600.000
2012-94
Gilma es una mujer luchadora y trabajadora, en su natal Nicaragua obtuvo el bachillerato y estudio contabilidad, pero ante la situación de pobreza y buscando un mejor porvenir para sus hijos, llegó a Costa Rica hace cerca de 20 años. Adquirió con esfuerzo y trabajo su casa propia donde vive con su compañero e hijos, está muy interesada en poner en práctica sus conocimientos en belleza y administrar su propio negocio, dado su estudio en contabilidad y capacitaciones en el área de belleza.
Con la ayuda de sus familiares y esfuerzo propio se ha capacitado y adquirido equipos necesarios para el trabajo de belleza y barbería. Requiere de un capital para comprar una silla de barbero, un lava cabezas, espejos, acondicionar la iluminación del local, entre otras, con el objetivo de abrir sus puertas y ofrecer este servicio junto a su socia.
Se realiza una proyección de ingresos, de acuerdo a la experiencia de la clienta en trabajos anteriores, además de la información elaborada en un curso de microempresa al que asistió.

Ella se levanta temprano y alista el almuerzo de sus hijos y compañero y envía a su hija menor a la escuela. Después se va a su salón, donde trabaja de 9 am a 5 pm, regresando a su casa al final del día.
Se capacitó en el área de belleza y barbería y junto a una compañera que se especializa en masaje y pies; deciden abrir el salón en la zona de San Antonio del Tejar en Alajuela, Se ha trabajado en esta rama desde el 2009 y se presentan los títulos que la acreditan para el desarrollo de la actividad. Los que ha llevado con el apoyo del Ministerio de Educación de Costa Rica. Su sueño es tener una cadena de salones en la zona donde reside.

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
  • 0
    View loans »
    Costa Rica Loans Fundraising
  • $4,022,575
    Funds lent in using Kiva
  • 504.6
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Gilma to fix the electric installation in her shop and to acquire mirrors, a barber chair and hair washing sinks.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 3, 2012
Listed
May 6, 2012
Currency Exchange Loss:
Possible
Ended:
Mar 17, 2014