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Helen Maria
Helen is a determined woman. She is 45 years old and lives with her family in a community in the District of Hatillo, which is a urban and residential area. However, there is increasing commercial activity that is mainly concentrated in the business centers. Several types of businesses are located in those areas such as furniture shops, tortilla factories, bakeries, bookstores, auto repair and mechanic shops, gas stations, dental offices, pharmacies, health clinics, bars, restaurants, stores, and print shops.

At the moment, Helen is going through a difficult financial situation since she is a single mother. With the limited access to income that she has, there is not enough money to finance her daughter’s degree.

For this reason, Helen is requesting a loan of 450,000 CRC so that she can pay for a semester of her daughter’s university degree and to finalize the payment of a computer. There are expectations being placed on her daughter by family members so that she can have a future and a better life.

Helen is a member of the Communal Credit Enterprise of Hatillo, one of the 110 member organizations that make up EDESA in Costa Rica. This is her second loan with the organization and she is grateful for all of the help that has been provided.

View original language description ↓
Hellen es una mujer luchadora, tiene 45 años y vive con su familia, en una comunidad del distrito de Hatillo que es una zona urbana y residencial, sin embargo es objeto de una creciente actividad comercial, concentrada principalmente en los centros comerciales. Se ha ubicado gran cantidad de mueblerías, tortillerías, panaderías, librerías, talleres mecánicos y automotrices, gasolineras, dentisterías, farmacias, consultorios médicos, bares, restaurantes, tiendas e imprentas.

En este momento está pasando por una situación económica difícil, ya que es madre soltera. Y las entradas de dinero que tiene, no son suficientes para financiar la carrera de su hija.

Es por eso que Hellen está solicitando un crédito de 450,000.00 (cuatrocientos cincuenta mil colones), para cancelar el pago del cuatrimestre de la carrera universitaria de su hija y finalizar el pago de una computadora. Ya que tienen sus expectativas familiares en ella para asi tener un futuro y una vida mejor.

Hellen es socia de la Empresa de Crédito Comunal de Hatillo, una de las 110 empresas de crédito comunal de EDESA en Costa Rica. Es su segundo préstamo con la Empresa y da muchas gracias por toda ayuda que le han brindado.

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
  • 1
    View loans »
    Costa Rica Loans Fundraising
  • $4,789,625
    Funds lent in using Kiva
  • 509.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Helen Maria to pay for her daughter's university expenses and to buy a computer.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Sep 27, 2011
Oct 21, 2011
Currency Exchange Loss:
Jan 19, 2014