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Ana María
Ana María A. B. is 52-years-old, married to Reinaldo Leiva and mother to 15-year-old Diego. Ana María lives in the Mollejones de Platanares Pérez Zeledón rural community in Costa Rica. The Mollejones community is located 150km south of San José, the capital of Costa Rica, at 850m above sea level. Some local farmers grow vegetables and coffee while others raise pigs, among other activities. There are also some organic farming and hydroponic vegetable projects. Apart from agriculture, the community has auto shops, a supermarket, small restaurants and a furniture store.

Ana María sells cosmetics door to door. Her husband occasionally provides her transport but he has his own work. Reinaldo primarily grows coffee, but works nights as a clinic security guard. He also coordinates microfinance activities with EDESA in the southern region of Costa Rica.

Ana María has asked for a loan of $1,200 to be repaid in 12 months in order to buy and sell merchandise in her town. She sells products like perfume and other personal items. Her business is going well but a lack of funds has prevented it from growing. With this loan she hopes to increase her sales, and thereby improve her family’s economic situation, as well as give her son, currently studying at school, better opportunities.

Ana María is a member of the Bancruce Community Credit Agency, one of EDESA’s 100 member organisations in Costa Rica. This will be her second loan with the hope that she will grow both personally and economically, as well as actively participate in her community’s credit organisation.
View original language description ↓
Doña Ana María A. B. es una señora de 52 años de edad, casada con Reinaldo Leiva y madre de un adolecente de 15 años llamado Diego. Doña Ana María vive en una comunidad rural de Costa Rica llamada Mollejones de Platanares Pérez Zeledón. Mollejones es una comunidad ubicada a 150 kilómetros al sur de San José, la capital de Costa Rica. Se encuentra a 850m sobre el nivel del mar. Ahí se cultivan hortalizas, café y además se desarrollan otras actividades como la crianza de ganado de engorde y de cerdos. Existen también algunos proyectos de agricultura orgánica y hortalizas en hidroponía. Además de la agricultura en la comunidad hay talleres mecánicos, un supermercado, pequeños restaurantes (sodas) y una mueblería.

Doña Ana María se dedica a la venta de cosméticos casa por casa. Su esposo le ayuda ocasionalmente con el transporte pero él también tiene otros trabajos principalmente en la siembra de café. Además don Reinaldo es guarda de seguridad en una clínica por las noches y también coordina actividades de microfinanzas con EDESA en la región sur de Costa Rica.

Doña Ana María ha solicitado un microcrédito por un monto de $1.200 y a un plazo de 12 meses para comprar y vender mercadería en su pueblo. Ella se dedica a vender casa por casa artículos como perfumes y otros artículos personales. Su negocio va bien pero por falta de dinero no ha podido hacerlo crecer más. Con el préstamo que está solicitando ella espera aumentar las ventas y así mejorar la condición económica de su familia y poder brindarle mayores oportunidades a su hijo que actualmente está estudiando en el colegio.

Doña Ana María es socia de la Empresa de Crédito Comunal Bancruce, una de las 100 organizaciones socias de EDESA en Costa Rica. Este será su segundo préstamo y con él espera continuar creciendo a nivel personal y económico además de participar activamente en la organización de crédito en su comunidad.

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

  • $12,900
    Average annual income
  • 22
    View loans »
    Costa Rica Loans Fundraising
  • $4,356,875
    Funds lent in using Kiva
  • 565.3
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Ana María door to door sale of cosmetics and other personal products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Mar 23, 2009
Listed
Mar 19, 2009
Currency Exchange Loss:
Covered
Ended:
Apr 15, 2010