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Ana Cecilia
Ana Cecilia is a 48-year-old single mother of two who lives in Heredia, located in the Central Valley of Costa Rica with her children.

Ana runs a small store which is attached to her house. She offers products such as toilet paper, cleaning products, car products as well as photocopying services. Her clients consist mainly of local community members. Ana has been running her business over the past 4 years.

Ana plans to use this loan to invest in the diversification of the products she has to offer her customers. In an effort to meet the needs of a more varied clientele, she will be purchasing jewellery items (necklaces, bracelets) as well as school supplies (books, pencils, notepads).

Ana wakes up every day at 5:30 AM, she prepares breakfast for her children, and carries out various domestic chores. She opens her store at 8 AM and tends to the needs of her customers throughout the day. At midday, Ana takes her lunch and at 4 PM her children return from school. At this point, Ana juggles the tasks of mother and store owner until closing time at 8 PM.

Ana´s goal is to offer more variety to her clients in terms of products. She wants her business to grow, increase revenue to a level where the family could be self-sufficient, depending only on the store's income. She hopes to one day pass on a successful business to her children.

A constraining factor in Ana´s life has been the death of her son 2 years ago. She has been dependent on the support of her family to get through emotionally difficult times.

Additional Information

More information about this loan

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.

About Costa Rica

  • $12,900
    Average annual income
  • 0
    View loans »
    Costa Rica Loans Fundraising
  • $4,783,625
    Funds lent in using Kiva
  • 504.0
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Ana Cecilia for the purchase of store inventory such as jewellery and school supplies.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 30, 2010
Sep 5, 2010
Currency Exchange Loss:
Mar 15, 2012