Marilyn is a young mother. She has a three-year-old son and has been married for two years. After completing the ninth grade she worked as a domestic helper for a family. She entered the clothing business with the end of her job a year ago and at the same time she is finishing her studies, which she considers a priority. She has good business references and wishes to strengthen her business with the goal of continuing her studies, helping the family economy, and improving life conditions. They have their own house that her husband is paying.
Among the products that she sells, she specializes in clothing for men, athletic shorts, shirts, t-shirts, and pants. The business has grown and requires strengthening her working capital due to the growth of the requests and to take advantage of business opportunities.
She has a brand product and a portfolio of customers greater than 40 people in the zone of San Ramón de Alajuela. Her monthly income allows her to cover the loan fees and the main objective is to grow and expand her assets. She does not have other debts and wishes to expand her range of action with the help of her husband in the business where he works.
She presents a quality product and works with a distributor with a good margin of earnings. Her clientele is growing and requires increasing her working capital to attend to the colleagues of her husband and other customers in other zones near her house. She gets around by motorcycle and has good control of her income and expenses. Her mother helps her take care of her son and on the weekends her husband helps her with the business.
Marilyn es una madre joven, tiene un niño de 3 años y 2 años de casada, termina el noveno año y se dedica a trabajar como empleada domestica para una familia. Inicia en el comercio de ropa con la liquidación de su trabajo hace un año y al mismo tiempo está terminando sus estudios, lo que considera una prioridad, presenta buenas referencias comerciales y desea fortalecer su negocio con el objetivo de continuar sus estudios, apoyar la economía familiar y mejorar las condiciones de vida. Cuentan con casa propia, que está pagando su esposo.
Entre los productos que comercializa destaca la ropa de marca para hombre, pantalonetas, camisas, camisetas, pantalones. El negocio ha crecido y requieren fortalecer su capital de trabajo, esto debido al aumento de los pedidos y aprovechar oportunidades de negocios.
Cuenta con un producto de marca, una cartera de clientes superior a 40 personas, en la zona de San Ramón de Alajuela. Su recuperación mensual le permite cubrir la cuota del préstamo y el objetivo principal es crecer y aumentar su patrimonio. No cuenta con otras deudas y desea expandir su rango de acción con el apoyo de su esposo en la empresa donde él trabaja.
La clienta presenta un producto de calidad, trabajan con una distribuidora con un buen margen de ganancia, su clientela está en crecimiento y requieren incrementar su capital de trabajo para atender a compañeros de su esposo y otros clientes en otras zonas cercanas a su casa, se desplaza en moto y lleva un buen control de sus ingresos y gastos. Su madre le apoya a cuidar a su hijo y los fines de semana su esposo le apoya en el negocio.
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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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