Update on DilanaDilana is a young woman who is 23 years of age. She and her partner have started living together. They currently have no children and live in a neighborhood of Puntarenas called Fray Casiano. Her greatest wish is to work and establish her own capital so that she can have a better quality of life given the social conditions of the place where she lives.
Dilana sells undergarments that she buys directly from an importer who lives in San Ramón, which is about 50 kilometers away from where she lives. He gives her a month’s worth of credit so that she can sell the products and recoup her investment. Her goal for this loan is to take advantage of the large increase in sales for Father’s Day and Mother’s Day in Costa Rica. She plans to acquire a little more merchandise so that she can generate greater revenue. Dilana travels by bicycle every afternoon in order to sell and collect payments. In the mornings, she is taking computer science classes at the University of Costa Rica.
Her most important goal is to move forward and improve her quality of life. She wants to become a better entrepreneur and succeed in her business. Dilana says that obstacles are for conformists and cowards. A micro-entrepreneur has to make the most out of problems since they will always be around.
Dilana es una joven de 23 años de edad quién acaba de empezar a vivir en pareja, actualmente no tienen hijos, viven en un barrio de Puntarenas llamado Fray Casiano, su mayor deseo es trabajar y formar su capital para tener una mejor calidad de vida dada las condiciones sociales del lugar donde viven.
Ella se dedica a la venta de ropa interior que comercializa directamente con un importador que vive en San Ramón, ciudad a unos 50 Km de donde vive, él le da un mes de crédito para que ella coloque el producto y recupere el dinero. El objetivo de este préstamo es aprovechar el gran aumento que se da en el comercio por la época del día del padre y día de la madre en Costa Rica y adquirir un poco más de mercadería para obtener una mayor ganancia. Dilana sale a vender y cobrar en bicicleta todas las tardes ya que por las mañanas está llevando cursos de computación que imparte la Universidad de Costa Rica.
Su meta más importante es salir adelante y mejorar la calidad de vida, ser una mejor empresaria y triunfar en el negocio. Ella dice que los obstáculos son para los conformistas y miedosos una microempresaria tiene que ver para adelante sacar provecho de los problemas ya que estos siempre van a estar presentes.
Previous Loan DetailsDilana is a young woman of 23 who has just started living with her partner. They do not currently have children. They live in a neighborhood of Puntarenas called Fray Casiano. Dilana's biggest wish is to work and create capital so that she can enjoy a better quality of life given the social… More from Dilana'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.
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
- 14 months (Additional Information)
- Repayment Schedule
- Jun 7, 2012
- Jun 14, 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.