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María Eugenia
María Eugenia
600,000 CRC

María Eugenia is a 39-year-old married woman who lives with her three children. One goes to secondary school, one goes to primary school, and the youngest is in kindergarten. María Eugenia's husband has occasional work in the construction industry. Ten years ago, before they had their current business, they would buy dozens of hats and sell them in downtown Puntarenas. Once they saw that this worked, they repeated the cycle until getting to where they are today, with an established sales location in the center of this same city. They now sell clothes, sandals, hats, perfumes, and other items according to the season.

María Eugenia gets daily earnings from her sales, and she saves and pays her suppliers in cash, which demonstrates that she has a good capacity for managing money. She has an established business and stable sales.

This business has allowed María Eugenia and her husband to buy a plot of land, and they are currently building their home. María Eugenia's desire is to continue to support her children in their education, and to finish construction on her home, which is very far along.

María Eugenia would like to use this loan to increase the merchandise that she can offer to her customers during the high season. She will buy this merchandise in cash, getting better prices from her suppliers in this way. She sells men's, women's, and children's clothing. As the end of the year approaches, she would like to acquire stylish inventory for the business, since the summer season is very important.
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María Eugenia

María Eugenia es una señora de 39 años, casada, vive con sus tres hijos, una asiste al colegio, otra a la escuela y el menor al jardín de niños. Su esposo realiza trabajos en construcción de forma esporádica. Ante esta situación, hace 10 años, compran dos docenas de gorras y las venden en el centro de Puntarenas, al ver que les funciona lo repiten hasta llegar al día de hoy, con un puesto de venta fijo en el centro de esta misma ciudad; desde donde comercializan ropa, sandalias, gorras, perfumes entre otros artículos según la temporada.

Recibe ingresos por sus ventas de forma diaria, ahorra y paga a sus proveedores de contado, lo que demuestra una buena capacidad para la administración del dinero. Tiene un negocio consolidado y ventas estables.

Este negocio les permitió comprar un lote y ahora están construyendo su casa. Su deseo es continuar brindándoles estudio a sus hijos y terminar la casa que está muy avanzada.

Este crédito lo quiere utilizar para aumentar la mercadería ofrecida a sus clientes para la temporada alta, comprando esta mercadería de contado, obteniendo así mejores precios con sus proovedores. Comercializa ropa de hombre, mujer y niño y al aproximarse el fin de año y la temporada de verano es importante, para el negocio adquirir inventario de moda.

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
  • 26
    View loans »
    Costa Rica Loans Fundraising
  • $4,365,675
    Funds lent in using Kiva
  • 504.0
    Costa Rica Colones (CRC) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,200 helped María Eugenia to buy merchandise such as blouses, shorts, bathing suits, hats, skirts, and glasses.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 6, 2013
Nov 1, 2013
Currency Exchange Loss:
Dec 20, 2014