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Odiney S. G. is a 56 year old woman who lives in the northern zone of Costa Rica in a small community called San Rafael de Florencia de San Carlos. San Rafael is a rural community in which the majority of its inhabitants raise cattle, for both beef and milk. The climate is hot, and is also visited by tourists who travel to see the Arenal volcano, rivers with crystal blue water, thermal springs, lakes, mountains, and other beautiful natural places that can be found in this area. Agriculture is also near the zone, primarily the growing of pineapple, yucca, oranges, and beans.

Odiney is a mother of 4 children. Her husband abandoned her a few years ago and she was left with sole responsibility to take care of her children. For this reason, 6 years ago she began a business growing and selling orchids and other varieties of plants. Her oldest daughter helps her with the business.

Three years ago Odiney had to have an operation on her heart so she couldn’t do the tasks that demanded a lot of physical effort, so she enjoyed taking care of her orchids. She says that seeing the flowers grow, bloom and then to be able to share with others all this beauty is something that fills her with happiness.

Today Odiney is asking for 600,000 colones loan in order to expand her home, obtain new species of orchids, buy consumables for the reproduction and care of her plants. With this she hopes to grow her business and in this way improve her quality of life.

Odiney is part of the “Empresa de Crédito Comunal de Florencia (ECCSAR)” (Florence Community Credit Business), one of 100 member organizations of EDESA in Costa Rica. This is the second loan that she seeks. The first was for 125,000 colones and it was repaid punctually.
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Odiney S. G. es una señora de 56 años de edad que vive en la zona norte de Costa Rica en una pequeña comunidad llamada San Rafael de Florencia de San Carlos. San Rafael es una comunidad rural en la cual la mayoría de sus habitantes se dedican a la cría de ganado tanto para carne como para leche. Es una zona de clima caliente, la cual también es muy visitada por turistas que viajan a ver lugares el volcán Arenal, ríos con agua celeste, aguas termales, lagunas, montañas y otras bellezas naturales que se mantienen en la zona. Cerca de la zona también se produce agricultura, principalmente el cultivo de piña, yuca, naranjas y frijoles.

Doña Odiney es madre de cuatro hijos. Su esposo la abandonó hace algunos años y ella quedó sola con la responsabilidad de cuidar a sus hijos. Por esta razón, desde hace seis años comenzó un negocio de cultivo y venta de orquídeas y otras variedades de plantas. En este negocio le ayuda su hija mayor.

Hace tres años doña Odiney tuvo que ser operada del corazón por lo tanto no puede realizar trabajos que demanden mucho esfuerzo físico, por lo tanto disfruta del cuidado de las orquídeas. Ella dice que verlas crecer, florecer y después poder compartir con otras personas toda esta belleza es algo que le llena de alegría.

Actualmente doña Odiney está solicitando ¢600.000 para poder ampliar su vivero, obtener nuevas especies de orquídeas, comprar insumos para la reproducción y cuidado de las plantas. Con esto ella espera hacer crecer más su negocio y con esto mejorar su calidad de vida.

Doña Odiney forma parte de la Empresa de Crédito Comunal de Florencia (ECCSAR), una de las 100 organizaciones socias de EDESA en Costa Rica. Este es el segundo préstamo que solicita. El primero fue por un monto de ¢125.000 y lo canceló de forma puntual.

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
  • 18
    View loans »
    Costa Rica Loans Fundraising
  • $4,502,650
    Funds lent in using Kiva
  • 558.9
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Odiney expand her home, buy consumables, and buy new species of orchids.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 23, 2009
Mar 21, 2009
Currency Exchange Loss:
Apr 15, 2011