Rebeca is the mother of 2 children. She is hardworking and enterprising. After her separation and with the help of her parents, she started her business selling clothes. Since she lives close to the high school she also sells variety store and bookstore items. She is interested in fortifying this with a loan.
Her hard work has led to her having a steady activity that has helped her care for her children. Previously she worked outside of her house, but to be closer to them she decided to start her business. She wants to obtain better profits by buying the products herself (sandals from Nicaragua) which are very popular in the area. She also contributes to the household expenses. She has close to 12 years' experience as a merchant. She wants to save to give her children a better future. She started with severance pay from her job close to 3 years ago and has had her parents' and her grandmother's help. She has re-invested and been able to diversify her products, offering clothes, shoes, miscellaneous and school products, as well as chocolate bananas.
She has regular customers and close to 54 people she sells to on credit. She also charges people up front and offers products that are in style. She has her own locale set up in the corridor of her parents' house. The variety store is located behind the Chacarita high school and she sells food to the students (chocolate bananas) as well as school products and jewelry. She sells clothes that a friend makes (generating employment) and she wants to sell the sandals brought from Nicaragua because they have a good profit margin. She is going to use this loan to buy them directly. She has regular customers, which allows her to invest in seasonal merchandise.
Rebeca es madre de 2 hijos, trabajadora y emprendedora, después de su separación y con el apoyo de sus padres inicia el negocio de venta de ropa, al residir cerca del colegio ofrece el servicio de bazar y librería el cual está interesada en fortalecer con este préstamo.
Su empeño la ha llevado a tener una actividad consolidada que le ha ayudado a atender a sus hijos. Antes se dedicaba a trabajar fuera de la casa, pero para estar cerca de ellos decidió implementar este negocio. Desea obtener mejores ganancias al comprar ella misma los productos (sandalias de Nicaragua) las cuales tiene mucha aceptación en la zona. Contribuye también a los gastos de su casa. Tiene cerca de 12 años de experiencia en el comercio, desea ahorrar para darles un mejor futuro a sus hijos. Inició con la liquidación de un trabajo, hace cerca de 3 años, ha contado con el apoyo de sus padres y su abuela. Ha re invertido y conseguido diversificar sus productos, ofreciendo ropa, zapatos, productos de bazar y para estudiantes, además vende choco bananos.
Mantiene una clientela fija de cerca de 54 personas a crédito; además vende de contado y ofrece productos de moda. Se cuenta con un local propio, establecido en el corredor de la casa de sus padres, la tienda bazar está ubicada detrás del colegio de chacarita, por lo que vende a estudiantes productos de comida (choco Bananos) además de ofrecer productos escolares y de bisutería. Vende ropa que le confecciona una amiga (generando empleo) y desea comercializar directamente las sandalias que le traen de Nicaragua, ya que tiene un buen margen de ganancia, por lo que va a utilizar este préstamo para comprarlas directamente. Clientela estable, que le permite invertir en mercadería de temporada.
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.
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