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Vilma is 44 years old and lives with her companion and daughters on the Island of Chira in the Gulf of Nicoya, Puntarenas province. She is a worker with ample experience in the fishing industry, as a member of the Association of Women Seeders of Pianguas [a local shellfish] of Chira. And she has her own business selling fish and shrimp in the zone. The business has enabled Vilma to help her daughters study to become professionals. In addition, together with her companion, she has generated employment in a zone where it has been limited. They have also managed to generate income to maintain their family and by this means, to help other families on the Island of Chira.

With experience in fishing, and by means of the local Piangua project, Vilma began her business. Over time, and using her earnings, Vilma has bought fishing equipment. On the present occasion, she wishes to replace her fishing nets.

Vilma's activity has a working period of 9 months out of the year, given the current restrictions (a prohibition against fishing, allowing the species to recuperate) in the Gulf of Nicoya. In the present situation, a grace period of 1 month is granted. She has 4 fishermen, plus her own boat, bringing in the fish and shrimp which she sells at the collection center in the Colorado de Abangares zone, where the chain of her business is completed.

Vilma's micro-enterprise works with a team that manages fishing around the Island of Chira. There are 4 marketers of their products at this single collection center where the shrimp and fish are received, and a competitive market price is obtained. There is no selling to intermediaries. Among their goals is to install a collection center on the island proper and thus, help more families obtain sustenance. It is recommended that assistance be provided for this activity, since the necessary conditions are available to generate employment, permitting many people on Chira Island to provide for their necessities and help the children in their studies.
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Isla Chira

Vilma tiene 44 años y vive con su compañero y sus hijas en la Isla de Chira en el Golfo de Nicoya en la provincia de Puntarenas. La clienta se presenta como una persona trabajadora, tiene una amplia experiencia en la actividad pesquera, al pertenecer a la Asociación de Mujeres Sembradoras de Pianguas de Chira y contar con su propio negocio de venta de pescado y camarón en la zona. Este negocio le ha permitido apoyar a sus hijas en el estudio y convertirse en profesionales. Además junto a su compañero generan empleo en una zona con limitaciones en esta área. Han logrado generar los ingresos para mantener a su familia y apoyar por este medio a otras familias en Isla Chira.

Con su experiencia en la actividad y por medio del proyecto de Piangua (marisco de la zona) empezó con su negocio. Con el paso del tiempo y las ganancias ha comprado los equipos para la actividad pesquera. En esta ocasión desea cambiar los trasmallos (redes) utilizados para la pesca.

La actividad tiene un período de trabajo de 9 meses al año, dada la situación de veda (prohibición de pesca para recuperar las especies) en el Golfo de Nicoya por esta situación se otorga un mes de período de gracia. Cuenta con 4 pescadores, más el bote propio, que le proveen el pescado y camarón el cual vende a un centro de Acopio en la zona de Colorado de Abangares, contando con la cadena completa para su negocio.

La microempresa cuenta con el equipo para hacer frente a la pesca en la Isla de Chira, cuenta con 4 proveedores de producto y un centro de acopio donde reciben el camarón y pescado, obteniendo un precio de mercado competitivo, ya que no vende a un intermediario. Entre sus metas esta el instalar un centro de acopio en la propia Isla y ayudar así a más familias a obtener el sustento. Se recomienda el apoyo a esta actividad ya que cuenta con los equipos necesarios, genera empleo, permitiendo a muchas personas en Isla Chira cubrir sus necesidades y apoyar a sus hijos en el estudio.

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
  • 11
    View loans »
    Costa Rica Loans Fundraising
  • $4,836,900
    Funds lent in using Kiva
  • 498.9
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,025 helped Vilma to buy new fish nets for her shrimp and fishing business.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Jul 10, 2012
Jul 11, 2012
Currency Exchange Loss:
Mar 17, 2014