A loan of $550 helped to buy three steers.


María Teodora's story

María Teodora is a 52 year old woman who lives with her two children in a small rural community of Costa Rica called San José de Upala, in the Alajuela province. Common activities in this area are trade, livestock farming for both meat and dairy, and agriculture.


María has been a livestock farmer for meat and dairy for the last twenty years. She says that she makes the most of the calves by selling them but that, for the most part, she focuses on producing milk, cheese, and other dairy products. She sells these both in her own community and in neighboring towns, and in her opinion she has a good market both for selling to middlemen and directly to the public.


María thinks that, thanks to the success of this business, her living conditions have improved considerably, and she also comments that since starting her business her self esteem has improved and now she feels very capable. She says that she has grown a lot both personally and professionally.
What María wants now is a microloan of $550 to buy three more steers so that she can increase her production and ensure that her business grows and moves forward.


María is a member of the microcredit organization Empresa de Crédito Comunal de Mujeres la Esperanza which is available only for women and which specializes in supporting non-professional women and women who are heads of their households. This is one of the 100 member organizations of EDESA in Costa Rica. This will be her fourth loan and with it she hopes to continue growing personally and economically and to participate actively in the credit organization in her community.

Translator profile picture

Translated from Spanish by Kiva volunteer Alison Hynd



Loan details


Lenders and lending teams



Loan details