Update on VildaVilda is a hardworking and enterprising Nicaraguan mother. She is 42 years old and lives with her husband in Costa Rica. She has lived there for more than 12 years and despite not having finished elementary school she has been working with a Fundación Mujer client for 12 years. She is a very enterprising woman on an excellent path. They sell shoes, perfumes, and clothing that they get from their native country at very good prices to resell in Costa Rica. Three years ago her immigration status prevented her from getting a loan, but one of her friends did her a favor and she was able to get some capital and she repaid it without falling behind.
She is the mother of three children and lives in the San Rafael de Alajuela area in the Central Valley of Costa Rica. Her husband works for a rice grower in the area and both of them have gotten their nuclear family ahead and want to have a better financial situation.
She will use the money from this loan to travel to Nicaragua and buy merchandise and also open a store in her native Esteli, Nicaragua, which her oldest daughter will manage. There is a lot of commercial activity in Costa Rica and it’s important to prepare ahead of time to be able to cover her customer demands. She helps her daughter with her studies and wants to provide a better academic future for her children.
The impact of this loan is very important because it gives her the opportunity to buy merchandise and support her family who is of limited resources. She has an excellent repayment record and she has proven herself to be a responsible and honest person.
Vilda, es una emprendedora y trabajadora madre Nicaragüense, tiene 42 años, vive actualmente con su esposo. Radica en Costa Rica desde hace más de 12 años, apenas con su primaria incompleta, ha trabajado desde hace doce años con una clienta de Fundación Mujer, ella es una mujer emprendedora y de excelente trayectoria. Se dedican a la venta de zapatos, perfumes y ropa que consiguen en su país natal a muy buenos precios, para comercializar en Costa Rica. Hace 3 años, su situación migratoria no le permitía acezar a un crédito, pero una amiga suya le hizo el favor y pudo conseguir un capital, que pago sin ningún contratiempo.
Es madre de 3 hijos y tiene una nieta, vive en la zona de San Rafael de Alajuela, en el Valle Central de Costa Rica, su esposo trabaja en una arrocera de la zona y ambos han sacado adelante el núcleo familiar y desean prosperar y mejorar su situación económica.
Con este préstamo, la solicitante va a viajar a Nicaragua a comprar mercadería además de apoyar la apertura de una tienda en su natal Estelí, en Nicaragua, la cual va administrar su hija mayor quien vive allá, próximas a celebrarse en Costa Rica, actividad de gran movimiento comercial por lo que es importante prepararse con tiempo para poder cubrir los pedidos de sus clientes. Ella ayuda a su hija en el estudio y desea brindarles un mejor futuro educativo a sus hijos.
El impacto del crédito es de suma importancia, ya que les da la oportunidad de comprar mercadería y apoyar a su familia que es de escasos recursos, su moral de pago se demuestra excelente, y las recomendaciones que presenta la demuestran como una persona horada y trabajadora.
Previous Loan DetailsVilda, age 41, is an enterprising and hardworking mother from Nicaragua. She currently lives with her husband. Vilda moved to Costa Rica more than 10 years ago. Even though she did not finish her elementary school education, Vilda has worked with another client of Fundación Mujer named Sonia a... More from Vilda'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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