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Alicia Maria
Alicia María, 38, is married and lives with her three children and husband who are her main priorities. She intends to use the loan to buy supplies to make a small improvement to her home. She wants to have a better house and to have it in better living conditions. What she is going to do is add security to it. She will have part of the house, where she has kitchen utensils out in the open and in danger of being lost, closed off.

This is the first loan she’s gotten from FUDECOSUR. She has had no previous loans from state banks but FUDECOSUR has offered her the best loan terms and a much lower interest rate.
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Alicia María, tiene la edad de 38 años, está casado y vive con sus 3 hijos y su esposo que son sus mayores prioridades. Ella pretende con el crédito comprar los materiales para hacerle a su casa una pequeña mejora. Ella lo que quiere es tener una mejor vivienda y tenerla en mejores condiciones para la vivencia en el hogar. Lo que pretenden es hacerle unos harreglos para poder tener más seguridad pues lo que le harán es cerrar unas partes de la casa donde se tienen utensilios de cocina y quedan al descubierto, ariesgando de poder perderlas. Es el primer préstamo que recibido de FUDECOSUR. Ella 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 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
  • 43
    View loans »
    Costa Rica Loans Fundraising
  • $4,436,225
    Funds lent in using Kiva
  • 495.0
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Alicia Maria to do some home improvements.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 16, 2011
May 29, 2011
Currency Exchange Loss:
Jun 15, 2012