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Adonay B. Salmerón is 41 years old. He is married and has one child. His child and his wife are his top priorities. Adonay would like to buy the supplies he needs to tend to his coffee crops and keep them in good condition. He has been growing this crop for several years. He has a lot of experience and a land on which he grows his crops. His business is currently doing very well and so he would like to increase next year's production and perhaps make more income from his coffee so that his family can have a better quality of life and well-being. Adonay is also thinking about his son's future which his top priority. He would like him to be able to have an education so that in the future he can be a good professional in a specific field.

This is Adonay's first loan from FUDECOSUR. He hasn't had any previous loans from state banks but FUDECOSUR has provided him with a loan which has easier terms and much lower interest rates than other loan companies.
View original language description ↓
Adonay B. Salmerón, tiene la edad de 41 años, está casado y tiene 1 hijo que es su mayor prioridad al igual que su esposa. El quiere comprar los insumos necesarios para la asistencia de su café y tenerlo en buenas condiciones de producción. El tiene varios años que se ha dedico a este cultivo, cuenta con mucha experiencia y el terreno para su explotación, actualmente le va bien en su negocio por lo cual quiere aumentar la producción del próximo año y tal vez generar más ingresos de su café para tener una mejor calidad de vida y bienestar familiar, También piensa en el futuro de su hijo que es su mayor prioridad y quiere poderle dar el estudio para que en un futuro sea un buen profesional en alguna área especifica.
Es el primer préstamo que recibido de FUDECOSUR. El no había tenido antes otros préstamos en bancos estatales, pero FUDECOSUR le ha brindado el préstamo con mayores facilidades y la tasa de intereses mucho más baja que los otros lugares de financiamiento.

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
  • 9
    View loans »
    Costa Rica Loans Fundraising
  • $4,502,650
    Funds lent in using Kiva
  • 505.2
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Adonay to improve his coffee crops.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Nov 16, 2010
Nov 26, 2010
Currency Exchange Loss:
Dec 19, 2013