Ligia is 42 years old. She lives with her husband and two children, in addition to caring for a granddaughter, in the city of Grecia in the province of Alajuela. She is a hardworking woman who worked in North America in order to support her daughter's studies. Now her daughter is a legal professional. She acquired some capital with which she built a workshop as she has always worked as a dressmaker. She has a business partner, Lucia, with whom she makes uniforms for exercise groups. She brings merchandise from the United States and sells it in her community as well as in neighboring communities. She is independent and hardworking.
She worked in the United States where she saved up, bought equipment and improved her workshop conditions. She is requesting a loan to buy a special sewing machine to give her clothing a nicer finish and to buy basic materials for a job with the SEV (Salud, Estética y Vida) company making uniforms. The business has important assets. She runs two business that generate fixed incomes. She hopes to improve the quality of her product by purchasing a special sewing machine.
She gets up early to get the house together. By mid-morning she is cutting the fabric to make garments and in the afternoon and evenings she takes orders and sells the clothing. She hopes to be able to give her son an education so that he will become a professional like his older sister.
She has the machinery and equipment for her business and customers to sell her products to. She hopes to be able to give her product a better finish with the equipment she will purchase. She has a lot of experience in dressmaking as well as contacts in the United States that allow her to have a business selling clothing in which she brings quality merchandise making a significant profit margin.
Ligia tiene 42 años de edad vive con 2 hijos y su esposo, además cuida a una nieta en la ciudad de Grecia, en la provincia de Alajuela. Mujer emprendedora, trabajo en Norte América para apoyar el estudio de su hija que ahora es una profesional en leyes. Adquierió capital con el que construye un taller, ya que siempre ha trabajado en costura. Se asocia con la señora Lucia a quien le confecciona uniformes para grupos de ejercicios y trae mercadería de Estados Unidos que comercializa en la zona y en lugares aledaños. Independiente y trabajadora.
Trabajo en Estados Unidos, donde con ahorro y adquirió maquinaria y mejoró las condiciones del taller. Solicita el préstamo para adquirir una maquina especial para dar un mejor acabado a la ropa y comprar materia prima para el trabajo con la empresa SEV (Salud, Estética y Vida) de confección de uniformes. La actividad cuenta con un patrimonio importante, maneja 2 negocios que le generan ingresos fijos, desea mejorar la calidad de su producto adquiriendo una máquina especial.
Ella se levanta temprano a organizar su casa, a media mañana se dedica a cortar las telas para elaborar las prendas en la tarde y durante la noche se dedica a cobrar y vender la ropa. Desea darle el estudio a su hijo para que se convierta en profesional al igual que su hija mayor.
Cuenta con maquinaria y equipo para su trabajo, clientela donde coloca su producto y espera darle un mejor acabado con el equipo que va a adquirir. Tiene amplia experiencia en la costura y además los contactos en Estados Unidos le permiten tener el negocio de venta de ropa donde trae mercadería de calidad obteniendo un margen de ganancia importante.
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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.
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