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Silvia wishes to help her husband with the household expenses. To do this she needs the loan to buy a cow. She will buy the cow for milk production and for selling dairy products to the neighbors in her community.

She will produce cheese, custard, and other by-products. Silvia believes that, thanks to this project, she will be able to little by little improve her family’s living conditions.

Silvia currently wishes to get a small loan for 600,000 colones to buy a cow. That way she will be able to increase the family income. She knows that this will be slow, but she will endeavor to keep getting more animals and increasing her production.

She is a member of the El Sauce communal bank of Santa Teresita Turrialba, one of the hundred member organizations of EDESA in Costa Rica. This will be her first loan, and she hopes that it will enable her to continue growing as a businesswoman. She also hopes to help her husband with the expenses.

She also emphasizes that thanks to these types of organizations and ways of facilitating loans, she gives her children a better quality of life.
View original language description ↓
Silvia desea ayudar a su esposo con los gastos del hogar, para ello necesita el crédito para comprar una vaca, específicamente para la producción de leche y vender productos lácteos a los vecinos de su comunidad. En su caso en particular, producirá queso, natilla y otros derivados. Silvia considera que gracias a este proyecto, podrá mejorar poco a poco las condiciones de vida de su familia.

Actualmente Silvia desea obtener un microcrédito por ¢600.000 (seiscientos mil colones), para comprar una vaca y así poder incrementar los ingresos familiares. Ella sabe que esto será lento pero se esforzará para ir teniendo más animales y creciendo en producción.

Silvia forma parte de la Empresa de Crédito Comunalde El Sauce de Santa Teresita Turrialba, una de las 150 organizaciones socias de EDESA en Costa Rica. Este será su primer crédito y dice que con el espera poder seguir creciendo como microempresaria y ayudar a su esposo con los gastos También destaca que gracias a este tipo de organizaciones y medios facilitadores de crédito dar una mejor calidad de vida a sus hijos

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
  • 11
    View loans »
    Costa Rica Loans Fundraising
  • $4,722,350
    Funds lent in using Kiva
  • 501.1
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Silvia to buy a cow in order to produce cheese and custard.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Mar 16, 2012
Mar 31, 2012
Currency Exchange Loss:
Mar 6, 2014