A loan of $2,025 helped to invest in merchandise such as men's, women's, and children's clothing.

Milena's story

Business and beauty salon.

Milena is 31 years old, married, and has two young children. Approximately four years ago, she decided to operate a store out of her home in order to be able to take care of her children and help pay for their education. Milena is an educated woman with certifications in beauty salon and nail services. She is a woman who strives to excel and always improve. Her newest business has allowed her to financially support her children in their education. She manages her store in a very organized manner, every day she records her daily and monthly accounting so that she can track exactly how money comes and goes in her business. Her business is registered with the city and she has obtained all the legal permits necessary to operate it.

Milena started this store with 70000 colones given to her from her husband so that she could buy merchandise. From there she began to develop her business and equip herself to diversify her services, for instance, by offering manicures and pedicures. She owns salon equipment and is currently taking her third course in a well-known cosmetology school. Two years ago, she began offering her manicure and pedicure services. Milena manages a portfolio of credit customers, those who patronize her business regularly, thanks to the ease of payment.

She will use this loan to buy merchandise (clothing, perfume, cosmetics, lingerie) and equipment (enamels and other foot and nail products). With this, she hopes to increase her profits since recently she has had limited working capital. After attending a meeting with Fundación Mujer and hearing about its partnership with Kiva, she saw the possibility to realize her dream of saving money to buy her own house and be able to give her children a better quality education so they will become professionals.

This year, her husband's illness left her to confront their household expenses alone. Thanks to her hard work, she was able to overcome this situation and now her husband is back to work in his transportation business.

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Translated from Spanish by Kiva volunteer Ellen Craven

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