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Carlos M. C., 39, is in a common-law marriage and has 4 children: aged 1, 10, 16 and 17. He wants a loan to make repairs to his house. He wants to buy materials with which he can improve the conditions of his home. He also wants to finish some unfinished projects in his house. This is the first time that he has taken a loan with FUDECOSUR, and he is very pleased with the ease of payments they provide. Don Carlos works in agriculture; he has cultivated coffee for a number of years. He hopes in the future to provide his family with a better quality of life and better economic stability, and to be able to continue growing as a person and a farmer.
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Carlos M. C., tiene la edad de 39 años, está en unión libre, y tiene 4 hijos, tienen 1, 10, 16 y 17 años de edad. El crédito lo quiere para hacer reparaciones en su casa. Desea comprar materiales para poder mejorar las condiciones de su vivienda. También terminar algunos trabajos inconclusos en su casa. Es la primera vez que realiza un crédito con FUDECOSUR y está muy contento con las facilidades que se le brindaron. Don Carlos se dedica a la agricultura, tiene algunos años dedicado a la siembra del café. 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Costa Rica

  • $12,900
    Average annual income
  • 37
    View loans »
    Costa Rica Loans Fundraising
  • $4,443,750
    Funds lent in using Kiva
  • 540.0
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Carlos home improvement.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 4, 2010
Jul 1, 2010
Currency Exchange Loss:
Aug 16, 2012