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Apolonia is 72 years old. She’s a widow living with her son who is her main priority in life. What she wants is to buy farming supplies for coffee crop maintenance. She has a field that is apt for this crop and she wants to support the planting she did so that it will start to produce a harvest. She wants to generate profits for her own and for her son’s wellbeing as well as to use the loan to get ahead and establish a small coffee plantation for herself.

This is her first loan with FUDECOSUR. She has had no previous loans with state banks. FUDECOSUR has provided her the loan with the best terms and a much lower interest rate.
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Apolonia, tiene la edad de 72 años, está viuda, ella vive con su hijo que es su mayor prioridad. Ella lo que quiere es comprar los insumos para la asistencia de su cafetal. Ella cuenta con el terreno apto para la explotación del cultivo y lo que quiere es asistir esa siembra que hizo para empezar a producir cosecha. Ella lo que quiere es generar las ganancias para su bienestar y la de su hijo y a la vez poder salir con el crédito adelante y establecerse un pequeño cafetal. 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 Costa Rica

  • $12,900
    Average annual income
  • 53
    View loans »
    Costa Rica Loans Fundraising
  • $4,673,875
    Funds lent in using Kiva
  • 503.3
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Apolonia to buy farming supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 5, 2011
Jun 8, 2011
Currency Exchange Loss:
Nov 16, 2011