A loan of $1,025 helped sell products from catalogues, mainly cosmetics and lingerie.


Esther's story

Esther is a young woman of 28 years old, and her references describe her as a hard worker who is responsible and honest. She married in 2003 and has since supported her partner in the household expenses, they have a 5 year old daughter and Esther hopes to establish her own business in her own premises (a shoe store). She handles products from 2 catalogs and buys items from stores which have offers and promotions, which she then resells for a profit so that she can contribute to the household and caring for her daughter. Esther started selling cosmetics and lingerie after her marriage in 2003 with 30,000 colones she made from the sale of several of her husband's books, she then bought goods to resell. To date she has maintained the same system and pays her bills on time, and prefers to work in cash. She maintains an active portfolio of 25 clients and a home inventory to cover occasional orders. Esther gets up and attends to her husband who goes to work, she then leaves her daughter with a relative and leaves the house at noon, a routine that she performs 3 times per week. Her main challenge is transportation and capital, and she requires this loan to cover the orders for the end and beginning of the year as it's the busiest time to trade. This is a stable occupation, and Esther maintains the pace of purchases and sales throughout the year, providing a constant income. She has had her business for 8 years, has good references and manages a portfolio of fixed customers and a period of steady recovery. She sells ​​quality merchandise and is endorsed by a good brand.

Translated from Spanish by Kiva volunteer Fiona Craig



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