A loan of $1,025 helped to buy shoes for men, women and children, including dress shoes and sports shoes.


Yanice Lorena's story

Yanice Lorena is 38 years old and has two young children. In addition to managing her own business and taking care of her home, she has worked as a cook at the Environmental School in Horquetas, Costa Rica since 2010.

She started her business three years ago in order to build her savings and support her children in their studies. Currently she lives with her children and her husband. She started with the salary she was making as a cook at the school in Horquetas. Her previous loan helped her to develop and strengthen her business, which has been growing ever since. She repaid this loan punctually.

She is seeking this second loan so that she can diversify the products that she offers to her customers. This will enable her to meet her customer demand for new products, which will in turn help her to increase her income. She has placed an important order for dress shoes and sports shoes for men and women. She needs to pay the bill within 22 days in order to maintain her credit.

She also sells clothing and household products through catalogs. She divides her time in the mornings between getting her children ready for school and working in the school dining hall. In the afternoons, upon returning home, she sells products and collects payments from customers. On the weekends, she travels to San José, where she buys merchandise.

Her business has a growing base of customers -- to date she has approximately 50 regular clients. She sells her products at the school and in her community to neighbors and relatives. She intends to introduce the sale of shoes, but this requires capital; thus she is seeking this loan. She has customers that will buy these shoes, but her supplier has not given her credit on a long-term basis. This loan will enable her to grow and improve her product offerings.

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Translated from Spanish by Kiva volunteer Kevin Bohnert



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