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María Teresa
Maria Teresa is a farmer who works very hard to support her family. She cultivates plantain, yucca and papaya plants, which are the most heavily consumed staples in the region. She lives near the Arenal Volcano in the northern zone of Costa Rica, and began planting pepper plants 10 years ago. Her crops are doing very well, thanks to support from a local agriculture initiative program. Maria Teresa works with her partner, and their children are now grown and live on their own. Her farming and hard work have helped support her family, and she is a very humble, hardworking person who wants to grow her operation with Propica (the company that purchases her peppers and crops).

Fifteen years ago Maria Teresa came to the region, and received a parcel of land in a settlement with the Agrarian Development Institute. She has raised a family and farmed her land through much effort and hard work, and her family has lived off the income she has made selling her crops. She has her own house, and has worked to support her children in their pursuits.

Presently, she is growing papaya and plantain crops, and is living off money from the sale of her produce. The local agriculture program Maria is a part of is encouraging farmers in the northern region to plant pepper crops, a crop that Maria used to cultivate several years ago. She wants to get back into growing peppers, and hopes this will help her generate additional income and increase her farming operation to better support her family.

As a farmer with much experience, Maria Teresa has her own land and a stable business. She wants to venture into planting peppers, a crop that she grew a decade ago, and she hopes to sign a contract with Propica for the purchase of her produce.
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María Teresa
San Carlos

María Teresa es una agricultora que ha sacado adelante a su familia con la siembra de diferentes cultivos como plátano, yuca y papaya que son los más comunes en la zona y actualmente sigue produciendo, vive en las cercanías del Volcán Arenal en la Zona Norte de Costa Rica. Hace unos 10 años sembró pimienta y ahora está tomando auge en la zona gracias a la promoción que se está dando por la Cadena Agrícola de Valor. Actualmente trabaja con su compañero, ya que sus hijos son mayores y viven por su cuenta Estas actividades han brindado el sustento a la familia. Persona humilde y trabajadora desea crecer trabajando en conjunto con Propica (empresa que compra la pimienta) la siembra de este cultivo.

Llego a la zona desde hace más de 15 años obteniendo su parcela en un asentamiento del Instituto de Desarrollo Agrario. Ha criado a su familia y trabajado la agricultura con capital propio, obtenido el sustento de la familia de los diferentes cultivos que se ha dedicado. Ha logrado tener su casa propia y ayudado a sus hijos a conseguirla dentro de su parcela.

Cuenta en este momento con una siembra de papaya y plátanos que esta dándole los ingresos semanales. La atención del producto la realiza su familia. Dentro del proyecto de pimienta se está motivando a agricultores de diferentes lugares de la zona norte para que siembren esta planta. Ella ya había cultivado este producto en años anteriores. Desea retomarlo y así contar con un ingreso fijo que le ayude a desarrollar más agricultura para el crecimiento de su familia.

Agricultora con experiencia, cuenta con su propio terreno y un negocio estable. Desea incursionar en la pimienta, producto que cultivo hace 10 años, cuenta con el apoyo técnico de Propica y se va a firmar un contrato para la compra de la cosecha.

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
  • $4,719,900
    Funds lent in using Kiva
  • 499.6
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped María Teresa to purchase pepper plants and other input items.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 1, 2012
Jul 27, 2012
Currency Exchange Loss:
Aug 17, 2014