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Johanna is a new client. She is 38 years old and is married with 3 children. At present she doesn't live with her husband since they separated several years ago and she now lives with a partner. She is modest and hard-working and has a good business mind.

She earns a living as a street vendor, selling ladies' clothes, cosmetics and handbags. She began this work with the aim of improving her situation in life and being able to bring home some of her earnings, supporting her 2 children who are studying at secondary school. She has always dedicated herself to her family and she goes out to sell or to collect money for her goods without neglecting them. Her partner supports her in the decisions she makes.

She is asking for a loan for the first time to build up her business. She has a family member living abroad who is going to bring her clothing so she can grow her business and fulfil one of her goals which is to support her children's education 100%.
View original language description ↓
Doña Johanna es una clienta nueva con 38 años de edad, casada y tiene tres hijos. Actualmente no vive con su esposo hace muchos años se separó y ahora vive en unión libre con su compañero. Es humilde, trabajadora y con visión empresarial. Se dedica a la venta ambulante de ropa, cosméticos, bolsos para damas. Inició su actividad con la finalidad de superarse y poder aportar a su hogar un poco de sus ganancias, ayudandole a sus dos hijos que estudian en la secundaria. Siempre se ha dedicado a su familia y sale a vender o cobrar su mercadería sin descuidarla. Cuenta con el apoyo de su compañero en las decisiones a tomar. Ella solicita por primera vez un crédito para reforzar su negocio, debido a que cuenta con un familiar en el extranjero que le va a traer ropa para que ella pueda crecer en su actividad y cumplir con una se sus metas la cual es apoyar cien por ciento el estudio de sus hijos.

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 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.

About Costa Rica

  • $12,900
    Average annual income
  • 10
    View loans »
    Costa Rica Loans Fundraising
  • $4,497,700
    Funds lent in using Kiva
  • 498.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Johanna to buy ladies' clothing and cosmetics.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 17, 2013
Jul 23, 2013
Currency Exchange Loss:
Feb 20, 2015