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Mayra
Mayra is requesting a loan for 300,000 Costa Rican colones. She lives in the "20 de Noviembre" neighborhood of Puntarenas, a place with a lot of poverty and social problems. She is 48 years old, and lives with her husband and daughter, who currently attends school. With effort and hard work, and with the support of Fundacion Mujer for more than 15 years, Mayra has managed to establish a customer base for her business selling clothing and personal items, which she sells door-to door. She has managed to give her daughters an education, acquire other goods, and along with her husband, who tends to a small grocery store, they have managed to get ahead.

The goal for this loan is to buy merchandise, mainly seasonal clothing, because in Costa Rica, Mother's Day is approaching (August 15), and so she doesn't want to miss the opportunity to change her products. Because of her experience and knowledge of the market, this is something that her customers look forward to with anticipation.

Mayra belongs to the communal bank "Mujer Creciendo Juntas," which has supported other women with loans for their businesses, but at her level, she needs to make a bigger investment in her small business.

Among her goals, the one that stands out is to get ahead so that her family can have a better future and improve their quality of life. She also wants to support her business so that it grows over time. At this time, her greatest difficulty has been the economy, and also the competition from the people who sell from catalogs. However, she has found support for her small business in this program, and with her experience she has managed to maintain a set of active customers who have good credit.
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Mayra
Tienda
C 300000
Mayra vive en el Barrio 20 de Noviembre en Puntarenas, lugar de mucha pobreza y problemas sociales, tiene 48 años de edad y vive con su esposo y una hija que estudia actualmente. Con el esfuerzo y trabajo además del apoyo de Fundación Mujer desde hace más de 15 años ha logrado establecer una clientela para la venta de ropa y artículos personales, de forma ambulante, ha logrado dar estudio a sus hijas, adquirir otros bienes, y junto a su esposo que atiende una pequeña pulpería han logrado salir adelante.
El objetivo de este préstamo es comprar mercadería, como productos de principalmente ropa de temporada ya que se aproxima en Costa Rica la festividad del día de la madre, por lo que la oportunidad de variar el producto no se puede desaprovechar, situación que la clienta, por su experiencia y conocimiento del mercado realiza con anticipación. Mayra también perteneció al Banco Mujer Creciendo Juntas que ha apoyado a otras mujeres con crédito para sus negocios, pero por el nivel que ella tiene requiere realizar una mayor inversión para su micro empresa.
Entre sus metas destaca salir adelante para su familia tenga un futuro mejor, que puedan mejorar su calidad de vida y apoyar a que su negocio crezca cada día más. Por ahora la dificultada más grande ha sido la económica, y en parte la competencia que le pueden hacer las personas que venden por catálogo, pero han encontrado en este programa un apoyo para su micro emprendimiento y por su experiencia ha logrado mantener una cartera de clientes activa y de muy buena moral de pago.

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
  • 11
    View loans »
    Costa Rica Loans Fundraising
  • $3,973,175
    Funds lent in using Kiva
  • 502.4
    Costa Rica Colones (CRC) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $600 helped Mayra to buy merchandise.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Jul 29, 2013
Listed
Jul 3, 2013
Currency Exchange Loss:
Possible
Ended:
Aug 17, 2014