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Cintia is 36 years old and lives in the community of La Ceiba, which is located in the canton of Orotina in Alajuela Province. This rural area lost a great deal of business activity after the railroad closed. The area where she lives has many dairy farms. Cintia lives with her companion and their two young children next to one of these farms. She has taken advantage of this situation in order to support her family financially by selling merchandise to the farm residents and the general community. Retail businesses are scarce and her customers have many needs.

Cintia sells clothing and catalog products of various brands. In addition, on her property, she raises chickens for the meat and eggs, and also has pigs. With these sources of income, she is able to support her children’s education and help her companion with the expenses of feeding their family.

Cintia wakes up at 5am so that she can prepare breakfast for her husband and then send her children off to school. Afterwards she feeds her farm animals. In the afternoons, she offers her products to the farm workers who visit her and collects payment from those who have already ordered. She also travels into town to see more customers and then finishes her work around 6pm. Her greatest wish is to have a house of her own and to build a store where she can sell her merchandise. The biggest challenge is dealing with the poverty in the area because she must look for ways to generate income and feed her family.

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Cintia tiene 36 años de edad, vive en la comunidad de La Ceiba ubicada en el Cantón de Orotina, Provincia de Alajuela, es una zona rural que perdió mucho de su actividad al cerrarse el ferrocarril, actualmente es una zona de fincas ganaderas en donde ella vive con su compañero y 2 hijos menores de edad dentro de una finca. Aprovechando esta situación Cintia ha ideado la forma de apoyar económicamente a su familia vendiendo mercadería a los habitantes de la finca y en la comunidad en general, ya que el comercio es muy escaso y las necesidades de sus clientes muchas.
Ella comercializa ropa y artículos de catálogo de varias marcas, además dentro de la propiedad donde vive cría pollos para carne, gallinas ponedoras y cría cerdos. Con estos ingresos apoya a sus hijos en el estudio y a su compañero con los gastos de alimentación de su familia.
Se levanta a las 5 am para alistarle el desayuno a su esposo y mandar sus hijos a la escuela, luego alimenta a los animales de su granja y en las tardes cuando llegan los empleados ofrece sus productos y cobra a los que ya le compraron además de visitar el centro del pueblo a sus clientes, terminando su labor cerca de las 6 pm. Su mayor sueño es tener su casa propia y hacer un local para vender su mercadería. Los obstáculos más fuertes es la pobreza de la zona, pero ella busca la forma de generar ingresos y llevar así comida a su familia.

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
  • 2
    View loans »
    Costa Rica Loans Fundraising
  • $4,816,325
    Funds lent in using Kiva
  • 500.2
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Cintia to buy catalog merchandise such as clothing, trinkets, and household goods.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 15, 2011
Nov 18, 2011
Currency Exchange Loss:
Dec 15, 2012