Update on KarlaPerfil Karla
Karla is the mother of three children. She is 39 years old and lives in the Puntarenas area in the Costa Rica Central Pacific. She earned a bachelor’s degree from a technical college and has worked for several companies as an accountant but for financial reasons, and because she has young children, she was not able to continue this way, so she sells different types of articles, such as clothing, purses, and other things so she can earn extra money for her household.
Two years ago, out of the need to keep her small business going, she invested half of her money from the home rental and bought costume jewelry, which she sold around the neighborhood and places in the area. She regained the money and continued buying merchandise.
Looking to grow, she approached the “Mujer de Puntarenas” offices where she got information about “Fundación Mujer.” She wants to increase her working capital and buy other products to offer her customers and increase her income to support the household. She wants to grow her company but what she earns is not enough to buy products in quantity, such as clothing and purses in style for women.
Being an entrepreneur and used to hard work and developing her capabilities have allowed her to improve her quality of life, now that she has a home of her own. Her main goal is to have her own shop but she has been moving forward little by little. She needs capital to diversify her merchandise and grow her business, which is small but consolidated. This will be her third loan and she has shown an excellent credit record.
She had an accident on her bicycle last year and broke bother hands while trying to prevent her 3 year old son from getting hurt. This kept her from developing her business. This year they found a tumor in her breast and she needs treatment. For now she is healthy, but needs to invest part of her earnings toward her treatment and she is asking for this loan to buy merchandise.
Karla es madre de 3 hijos, tiene 39 años y vive en la zona de Puntarenas, en el Pacífico Central de Costa Rica; obtuvo el bachillerato en un colegio técnico, ha trabajado en varias empresas en el área contable pero la necesidad económica y el tener hijos pequeños no le permitieron seguir de esta forma. Ella ante esta situación y para apoyar la economía del hogar vende diferentes artículos como ropa, bolsos y otros.
Con decisión y ante la necesidad económica decide invertir un capital hace 2 años con el que inició, manteniendo hasta la fecha un micro negocio. Invirtió la mitad del dinero del alquiler de la casa, comprando bisutería y comenzó a venderla en su barrio y en las instituciones de la zona, recuperando el dinero y obteniendo una ganancia con la cual ha seguido comprando mercadería.
Buscando la posibilidad de crecer se acerca a la Oficina de la Mujer de Puntarenas donde le brindan información de Fundación Mujer. Desea incrementar su capital y así comprar otros productos para ofrecer a sus clientes y mejorar los ingresos para el apoyo a su hogar. Busca el crecimiento de su empresa ya que se ha consolidado en su zona, pero no le alcanza lo ganado para comprar otros productos de mayor valor como ropa y bolsos de moda, para damas.
Emprendedora, acostumbrada a trabajar y desarrollar sus capacidades de la mejor forma, han ido mejorando su calidad de vida, ya que adquirió una casa propia de bienestar social. Su mayor deseo es tener su propio bazar pero va avanzando poco a poco, si requiere de un capital para diversificar su mercadería y poder crecer con su negocio, el cual es pequeño pero consolidado. Este es el tercer préstamo que solicita, demostrando una excelente conducta de pago.
El año anterior tuvo un accidente en bicicleta, para evitar que su hijo de 3 años sufriera daños, ella se fractura ambas manos impidiendo seguir desarrollando su negocio. Este año se le detecta un tumor en un seno por lo que debe tratarse, a la fecha está bien de salud, pero debe invertir parte de sus ganancias en el tratamiento, por lo cual solicita este préstamo para reinvertir en mercadería.
Previous Loan DetailsProfile: Karla, 600.000 CRC, Puntarenas. Karla has three children; she is 37 years old and lives in Puntarenas, Central-Pacific region of Costa Rica. She finished high school in a technical school and has worked in several companies for the accounting department. However, economic problems and… More from Karla's previous loan »
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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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