Update on Ana MaríaAna María Comercio 500000
Ana María, 42, lives in the community of Puntarenas on the Pacific Ocean coast of Costa Rica, called Fray Casiano. It is a poor community with social hardship, and it is where Ana lives with her husband and four children, one of whom is a minor and the rest work in Puntarenas. She sells perfumes, clothing and shoes as a street vendor on a bicycle. On the weekends she also sells food to her neighbors.
With this loan she wants to buy merchandise for Mother's Day and mid-term vacation, taking advantage of the season to earn more and give her family better living conditions. She sells on credit to her friends and customers and visits them weekly to collect payment so she can pay her debts and buy more goods and ingredients for her meals.
Her goal is to continue working and helping her husband with the household expenses, trying to get ahead in a an area where it is difficult to do so. She had to overcome health problems related to diabetes and spent time in the hospital. During that time, the support from her family was very important as far as maintaining her small business.
Her vast experience (nearly 15 years) has allowed her to have an excellent customer base. Her product is sold under very good payment conditions, meaning she collects payment weekley. The food she sells is very good according to her neighbors. She sells clothing, shoes, perfumes and other brand items. She makes delivery and collects, using her bicycle, and on weekends she makes and sells food. This is her second loan and she has an excellent credit record.
Ana María tiene 42 años de edad, vive en la comunidad de Puntarenas, en la costa del Océano Pacífico de Costa Rica llamado Fray Casiano, es una comunidad con pobreza y problemas sociales, en el cual doña Ana vive con su esposo tiene 4 hijos de ellos solo 1 es menor y los otros trabajan en la zona de Puntarenas. Ella se dedica a actividades de comercio vendiendo perfumes, ropa y zapatos, que distribuye en su bicicleta, además los fines de semana preparan comidas que vende a sus vecinos.
Con este préstamo se pretende adquirir mercadería para la temporada del día de la madre y vacaciones de medio año, aprovechando esta época para obtener mayores ganancias y pasar así junto a su familia una mejor situación. Ella se comunica con sus clientes que son amigos y vecinos ofreciendo sus productos los cuales da a pagos, los visita semanalmente para cobrar y así recuperar su dinero, pagar sus obligaciones y comprar más mercadería o productos para preparar sus comidas.
Tiene como meta seguir trabajando y apoyando a su esposo con los gastos de la casa y tratar de superarse en una zona donde esto es muy difícil. Tuvo que superar problemas de salud causados por la diabetes, ya que estuvo internada en el hospital, en este tiempo el apoyo de su familia fue muy importante para mantener activa su microempresa.
Su amplia trayectoria (cerca de 15 años), le ha permitido tener una clientela excelente, su producto es comercializado en muy buenas condiciones de pago, permitiendo una recuperación semanal. La comida que vende es muy buena, según comentarios de los vecinos. Comercializa ropa, zapatos perfumes y otros artículos de marca. Ella realiza las entregas y el cobro en su bicicleta y los fines de semana se dedica a elaborar y vender comidas. Este es el segundo préstamo que solicita demostrando una excelente conducta de pago.
Previous Loan DetailsAna María Comercio 500000 Ana María, 42, lives in the community of Puntarenas on the Pacific Ocean coast of Costa Rica called Fray Casiano. It is a community with poverty and social problems where Ana and her husband live with their four children; only one of them is still a minor and the o... More from Ana María'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
- 14 months (Additional Information)
- Repayment Schedule
- Jun 20, 2012
- Jul 5, 2012
- Currency Exchange Loss:
- Mar 15, 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.