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Sonia is a 35-year-old single mother of three who lives with her grandfather, three nephews and her children in Esparza, Puntarenas, located near the Pacific Coast of Costa Rica. Sonia faces extraordinary challenges in her personal life. Her mother has recently passed away, rendering Sonia the sole care provider for her 96-year-old grandfather and three sons (her nephews are adults).

Sonia was referred to Fundación Mujer by a long-standing client who has worked with Sonia over the past five years. Sonia´s goal for the current loan is to increase her working capital and make investments that will lead to increased revenue during the Christmas shopping season.

Sonia has a business selling various products such as eggs, chickens, and clothing. Prior to the death of her mother, Sonia had the objective of offering a more diverse range of products to her clients. She hopes to use this loan to satisfy this objective by investing in a variety of clothes for men, women and children. Sonia plans to travel to rural areas around Esparza in order to attract new customers.

Sonia wakes up at 5:30AM, prepares breakfast for her family, and sees the children off to school. She then returns home to bathe and feed her grandfather breakfast. Sonia dedicates the hours after breakfast until lunch to her business; during this time she makes sales, collects payments, or makes inventory purchases. Her main goal is to be able to earn enough from her productive activity to provide an acceptable standard of living for her family, and be able to pay for the education of her children.

Sonia´s main challenge is to manage her domestic and business lives. She has been earning steady revenue over the past five years and is a hard working entrepreneur with a large number of loyal customers. This loan will enable her to manage her difficult situation with more ease.

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
  • 7
    View loans »
    Costa Rica Loans Fundraising
  • $4,715,325
    Funds lent in using Kiva
  • 504.6
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Sonia for the purchase of clothing for resale.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 1, 2010
Oct 30, 2010
Currency Exchange Loss:
Nov 16, 2012