Laura is a good saleswoman who has passed on her skill and effort to other people in her community so they can offer her goods, but her profit margin is reduced, which is why she sees getting a loan as an opportunity which would allow her to have a small amount of capital of her own. This would increase her profit margins and permit a more varied inventory that would cater to her customers' needs.
Ella atiende las labores domésticas en las mañanas y después del medio día, hasta como a las seis de la tarde, coloca sus productos, y cobra.
Ella vive en una comunidad rural, en la cual casi ni haay fuentes de trabajo asalariadas, por lo que la venta informal de productos es una alternativa de genaración de ingresos.
Laura es una gran vendedora, que ha dado su habilidad y esfuerzo a otras personas de su comunidad, que le brindan la mercadería, pero el margen de ganancia es reducido, por lo que ella ve como oportunidad ei accesar a un crédito, que le permitirá tener un pequeño capital propio y así incrementar el margen de ganancia y contar con inventario variado y acorde a las necesidades de su clientela.
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.
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