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Ricardo R. M., 24, is married and has no children; he lives with his wife. He wants the funds to buy a few calves to raise for subsequent sale. He wants to provide adequate care for the cattle so that he can get the highest possible sale price for them when he sells them. He also wants to increase his herd size and keep them under improved conditions; he has space that is ideal for raising cattle.
This is his first loan with FUDECOSUR and he is very happy with the loan terms he got. Ricardo has been a cattleman for several years. He hopes in the future to provide his family with a better quality of life and greater economic stability and to continue to grow both as a person and as a producer.
View original language description ↓
Ricardo R. M., tiene la edad de 24 años, está casado, y no tiene hijos. Vive con su esposa. El crédito lo quiere para la compra de algunos terneros de engorde y su alimentación. Desea darle el adecuado mantenimiento al ganado para obtener el mayor ingreso posible cuando se vendan. También desea aumentar el número de animales y poder mantenerlos en mejores condiciones, cuenta con un área idónea para el mantenimiento y cría del ganado. Es la primera vez que realiza un crédito con FUDECOSUR y está muy contento con las facilidades que se le brindaron. Don Ricardo tiene varios años dedicado al ganado. El espera en un futuro brindarle a su familia una mejor calidad de vida y una mayor estabilidad económica, y de poder seguir creciendo como persona y como productor.

Additional Information

More information about this loan

FUDECOSUR works in one of the poorest regions of Costa Rica, where microfinance institutions (MFIs) are scarce or have a hard time keeping up with demand for small loans. By providing mostly agricultural loans, FUDECOSUR reaches rural borrowers that many MFIs consider to be too risky. However, this has also made it more difficult for the organization to find stable sources of capital to lend. Kiva's flexible, risk-tolerant capital plays a critical role in helping FUDECOSUR grow its portfolio and support even more borrowers.


The Foundation for the Development of Southern Communities (FUDECOSUR) is dedicated to economically empowering its clients by providing credit and training programs that help improve living conditions for micro-entrepreneurs and their children across Southern Costa Rica. You can learn more about this Field Partner at

About Costa Rica

  • $12,900
    Average annual income
  • 10
    View loans »
    Costa Rica Loans Fundraising
  • $4,502,650
    Funds lent in using Kiva
  • 505.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Ricardo to buy cattle.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 7, 2010
May 11, 2010
Currency Exchange Loss:
Mar 15, 2013