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Jose Emanuel
José Emanuel V. M. is 33 years old, married, and has one child. Both his wife and child are his greatest priority. José manages a soda fountain and wants to continue growing his business. For this reason, he intends to use his loan to buy more supplies so that he can offer a wide variety of snacks and dishes. He also thinks about the future for his son and wife, as well as providing them a better quality of life. His son has no need for his studies, yet he still wants him to become a successful professional in the future.

This is the first loan he has received from FUDECOSUR. José has not taken any other loans with the state banks. FUDECOSUR is providing this loan with better services and a much lower interest rate.

View original language description ↓
José Emanuel V. M., tiene la edad de 33 años, está casado y tiene 1 hijo que es su mayor prioridad al igual que su señora esposa. El cuenta con una soda y quiere seguir creciendo en el negocio. Por lo cual el pretende con el préstamo comprar más mercadería para ofrecer una gran mayoría de comidas o platillos. El también piensa en el futuro de su hijo y su esposa, al igual pretende brindarles una mejor calidad de vida y que su hijo no tenga ninguna necesidad para sus estudios, pues el quiere que sea un gran profesional en el futuro.
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.

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
  • 38
    View loans »
    Costa Rica Loans Fundraising
  • $4,438,125
    Funds lent in using Kiva
  • 498.2
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Jose Emanuel purchase more supplies for his soda fountain.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jan 25, 2011
Feb 18, 2011
Currency Exchange Loss:
Feb 17, 2014