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Laura is a young woman who sells catalogue items in her neighbourhood and in nearby areas in order to help out with the family's budget and to achieve economic independence and get on in life. She does the domestic chores in the mornings and from midday until 6pm she sets out her products and collects payments. She lives in a rural community where there are hardly any sources of salaried work, which means that informally selling products is an alternative method of generating income.

Laura is a good saleswoman who has passed on her skill and effort to other people in her community so they can offer her goods, but her profit margin is reduced, which is why she sees getting a loan as an opportunity which would allow her to have a small amount of capital of her own. This would increase her profit margins and permit a more varied inventory that would cater to her customers' needs.
View original language description ↓
Laura es una mujer joven, que para apoyar al presupuesto familiar, lograr independencia económica,y poder superarse ,ella vende productos por catálogo en su comunidad y barrios aledaños.
Ella atiende las labores domésticas en las mañanas y después del medio día, hasta como a las seis de la tarde, coloca sus productos, y cobra.
Ella vive en una comunidad rural, en la cual casi ni haay fuentes de trabajo asalariadas, por lo que la venta informal de productos es una alternativa de genaración de ingresos.
Laura es una gran vendedora, que ha dado su habilidad y esfuerzo a otras personas de su comunidad, que le brindan la mercadería, pero el margen de ganancia es reducido, por lo que ella ve como oportunidad ei accesar a un crédito, que le permitirá tener un pequeño capital propio y así incrementar el margen de ganancia y contar con inventario variado y acorde a las necesidades de su clientela.

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
  • 0
    View loans »
    Costa Rica Loans Fundraising
  • $4,783,625
    Funds lent in using Kiva
  • 497.8
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Laura to buy products for catalogue sales such as clothing, items for personal use and household goods.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 6, 2014
Jan 1, 2014
Currency Exchange Loss:
Aug 17, 2014