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Cecilia
Cecilia is a 45-year-old woman who lives in Coopevega, San Carlos in a rural area found in the north of the country. She is married and has three children. For four years she has made a living in baking and pastry-making from her house. She learned the business by taking courses and training in addition to the experience she gained with her family over many years.

She decided to maker her living in this business in order to improve her quality of life and that of her family. Additionally, this work makes her feel like an accomplished woman because she does not depend on her husband's income. He is a mechanic and works at a space adjoined to their home. She knows that at any moment, if the mechanic shop does not make enough money, she can use her income from her own business to cover any necessities that come up.

Cecilia has had an increase in demand at her business due to the fact that she is the only person in her area who makes a living doing this business. Her neighbors in the area are very satisfied with the products she sells, which is why they buy more and more. As she develops this business, Cecilia estimates that she can make an income of 150,000 colones per month. This will help her to invest more and more in her business. She hopes to expand her business more so that she will be able to take care of her family'a needs and her customers' demand.
View original language description ↓
La señora Cecilia es una mujer de 45 años que vive en Coopevega de San Carlos, en una zona que se encuentra al norte del país en el área rural, es casada y tiene tres hijos, desde hace 4 años se dedica a la elaboración de panadería y repostería en su casa, oficio que aprendió mediante cursos y capacitaciones, además de experiencia que adquirió junto a su familia durante muchos años.

Ella decidió dedicarse a este negocio con el fin de mejorar su calidad de vida y la de su familia, además, este trabajo la hace sentirse realizada como mujer porque ya no depende de los ingresos de su esposo, él es mecánico y trabaja en un local junto a su casa, ella sabe que en algún momento, si el taller no genera suficiente dinero, entonces puede disponer de los ingresos de su negocio propio para cubrir las necesidades que se presenten.

Cecilia ha experimentado un aumento en la demanda de su negocio, debido a que en el lugar donde vive; sólo ella se dedica a esta actividad y los vecinos del lugar están muy satisfechos con el producto que ella vende por lo que le compran cada vez más.

Con el desarrollo de este proyecto, la señora Cecilia estima que pueda tener ingresos de 150.000 colones mensuales, lo que le ayudará a invertir cada vez más en su negocio.

Ella espera expandir su negocio más, con lo que podrá satisfacer las necesidades de su familia y la demanda de sus clientes.

Additional Information

More information about this loan

FUNDECOCA is a nonprofit organization offering micro-lending services to unbanked farmers in remote communities of northern Costa Rica. These communities are represented by credit committees who are empowered through technical and financial training to offer a diverse range of products in different sectors including agriculture, commerce, livestock and more to farmers in rural areas. Kiva lenders’ funds will be used to reach clients in remote areas who generally have no access to financing from other institutions.

About FUNDECOCA

FUNDECOCA is a nonprofit organization offering micro-lending services to unbanked farmers in remote areas of Costa Rica.The organization offers a diverse range of products in different sectors including agriculture, commerce, livestock and more to empower farmers in rural areas through community credit committees. Kiva lenders’ funds will be used to reach clients in remote areas who generally have no access to financing from other institutions.

About Costa Rica

  • $12,900
    Average annual income
  • 38
    View loans »
    Costa Rica Loans Fundraising
  • $4,441,500
    Funds lent in using Kiva
  • 499.6
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Cecilia to buy basic bakery and pastry-making items and implements like a mixer, molds and other items.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 18, 2013
Listed
Feb 25, 2013
Currency Exchange Loss:
Covered
Ended:
Mar 17, 2014