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Danny Villalobos
Danny Villalobos R. is 31 years old. He lives in his own house with his wife. They do not have children yet. His family has had cattle for many years, for both milk production and meat production. He has followed the same path and now has a farm that helps him to get ahead.

The community where Danny lives is called El Sauce de Santa Teresita de Turrialba. It is a small, rural town of two thousand inhabitants. The people of the town work in milk production and coffee farming. The topography is hilly and most of the area is maintained as tropical rainforest. The town has very picturesque landscapes that combine the tropical forest with pretty ponds, coffee plantations, and dairies. El Sauce is located approximately one and a half hours by bus from Turrialba, the closest center of commerce. Even so, several times a year the road becomes impassible because of the rains. This is, without a doubt, one of the biggest challenges for the community. When there weren’t many jobs, many people chose to leave to look for work in Turrialba or in banana plantations located on the Atlantic coast of Costa Rica. Lately the prices of coffee and milk have improved, so now people from the area are looking for ways to invest in projects there. Two years ago a cheese processing plant was started by the Milk Producers Association of El Sauce. Because of this, for the past two years Danny has been specializing in producing milk that he then sells to the cheese factory.

The cheese from the region where Danny lives is famous throughout Costa Rica. It is a fresh cheese that is traditionally known as “Turriabla Cheese.” Ticos (a nick-name for the people Costa Rica) like to buy Turrialba cheese to eat it at breakfast, along with tortillas, rice, beans, and eggs. This is why the market for the milk that Danny sells, which is then made into cheese, is very good.

Danny hopes to obtain a micro-loan to buy another dairy cow so that he can increase the milk production. He knows that having another cow is a big sacrifice and will require more work, but he says that if he wants to help his family get ahead, he’ll have to work hard to produce more. Danny says he will take out this loan to improve the quality of life for his wife and himself right now; if the years pass and there are children, he hopes they will have a better quality of life and maybe they can have the opportunity to study that he didn’t have.

Currently, Danny milks by hand in a small wooden shed that he set up as a milking room. If his production increases, he hopes to construct a better building and then, in a few years, be able to buy a milking machine. He would also like to improve his pasture with varieties of grass that are better suited to milk production and in this way have a farm that will allow him to produce more.

Danny is a client of the Producers Association of El Sauce, a local partner organization of the microfinance organization EDESA. Because of his ties to this organization, he has received 5 micro-loans and he has repaid them satisfactorily. The amounts have increased from US$300.00, to US$430.00, to US$500.00, to US$600.00, and to $700.00. Danny now needs a loan of $1,000.00 to buy his dairy cow.
View original language description ↓

Danny Villalobos R. es un señor de 31 años de edad. Vive en una casa propia con su esposa. Aún no tiene hijos. Su familia se ha dedicado desde hace muchos años a la ganadería tanto para leche como para carne. Él siguió los mismos pasos y actualmente tiene una finca que es la que le ayuda a salir adelante.
La comunidad en la cual vive Danny se llama El Sauce de Santa Teresita de Turrialba. Es una pequeña comunidad rural de unos dos mil habitantes. Sus pobladores se dedican a la producción de leche y siembra de café. Tiene un relieve irregular y mucho del terreno se mantiene como bosque tropical húmedo. La comunidad tiene paisajes muy pintorescos que combinan el bosque tropical con dos lindas lagunas, plantaciones de café y lecherías. El Sauce se localiza aproximadamente a hora y media en bus de Turrialba, el centro de comercio más cercano, sin embargo varias veces al año, el camino se vuelve intransitable por las lluvias que caen en la zona. Este es sin duda uno de los principales desafíos para la comunidad. Cuando no existían actividades muchas personas optaron por salir a buscar trabajos en Turrialba o en fincas bananeras ubicadas en el Atlántico de Costa Rica. Actualmente los precios del café y la leche han mejorado por lo tanto los vecinos buscan cómo invertir en proyectos en la misma zona.
Hace dos años, se instaló en la comunidad una planta de elaboración de quesos de la Asociación de Productores de Leche de El Sauce. Por lo tanto, en los últimos dos años Danny ha ido especializándose en la producción de leche que luego vende a esta planta.
El queso de la región donde vive Danny es famoso en todo Costa Rica. Es un queso fresco que se le conoce tradicionalmente como “Queso Turrialba”. A los “ticos” (como se les conoce a los habitantes de Costa Rica) les gusta mucho comprar el queso Turrialba para comerlo en el desayuno junto con tortillas, arroz, frijoles y huevos. Por esta razón, el mercado para el queso que se hará con la leche que venda Danny es muy bueno.
Danny desea obtener un microcrédito para comprar una vaca lechera más y así aumentar la producción de leche. El sabe que contar con una vaca más es un mayor sacrificio y demandará más trabajo pero dice que si quiere sacar su familia adelante tiene que esforzarse en producir más. Danny dice que sacará este préstamo para mejorar la calidad de vida de su esposa y de él en este momento y si con el paso de los años hay hijos que tengan una mejor calidad de vida y tal vez que ellos puedan tener la oportunidad de estudiar que él no tuvo.
Actualmente Danny ordeña a mano en una pequeña instalación de madera que acondicionó como sala de ordeño. Si aumenta la producción espera ir haciendo un local mejor y en unos años poder comprar un equipo de ordeño. También le gustaría ir mejorando los pastos con variedades más adecuadas para la producción de leche y así contar con una finca que le permita producir más.
Danny es cliente de la Asociación de Productores de El Sauce, una organización local socia de la microfinanciera EDESA. Gracias a su vinculación con esta organización ha obtenido ya 5 microcréditos y los ha cancelado satisfactoriamente. Los montos han ido incrementando desde los US$ 300, US$ 430, US$ 500, US$ 600 y US$ 700. Actualmente Danny necesita un préstamo por $1.000 para comprar su vaca lechera.

Additional Information

More information about this loan

As a small and relatively young MFI located in Costa Rica, EDESA has difficulty attracting other sources of capital. Many other microfinance funders do not work in Costa Rica, because overall the country is too rich. However, organizations such as EDESA work with extremely marginalized populations in Costa Rica that really need the access to capital that EDESA provides. By funding EDESA, Kiva lenders are allowing the organization to grow and reach more people than they otherwise would be able to reach.

About Costa Rica

  • $11,100
    Average annual income
  • 16
    View loans »
    Costa Rica Loans Fundraising
  • $4,065,825
    Funds lent in using Kiva
  • 564.3
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Danny Villalobos to buy a dairy cow.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Feb 16, 2009
Listed
Feb 9, 2009
Currency Exchange Loss:
Covered
Ended:
Mar 24, 2011