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Jose Guillermo
José Guillermo is 35 years old, married, and lives with his wife and two children who are his highest priorities. He intends to use this loan to buy construction tools. José is a home builder and wants his construction jobs to be completed well and be of good quality. He has some power tools, but in order to do a perfect job he needs to acquire the ones that he does not yet own. José wants to perform the best work for the people who hire him so that he can earn more income by completing better jobs. He thinks about the future of his wife and children and wants to provide them with a better quality of life. José also wants to move forward with the plans he has made for himself and his wife.

This is the first loan he has received from FUDECOSUR. José has not had any previous loans with the state banks. FUDECOSUR is providing this loan with better terms and a lower interest rate.

View original language description ↓
José Guillermo, tiene la edad de 35 años, casado y vive con sus 2 hijos y su esposa que son sus mayores prioridades. El pretende con el crédito realizar la compra de herramientas para la construcción. El trabaja como un constructor y realiza trabajos de casas, el lo que quiere es dar a sus trabajos un acabado mas bueno y de mejores calidades. El cuenta con algunas herramientas a su poder pero para ir perfeccionando sus trabajos debe comprar unas que no posee todavía. El quiere darle a las personas que lo contratan un mejor acabado para así poder tener más ingresos económicos con la realización de mejores trabajos. El piensa en el futuro de su hijos y su esposa, el quiere brindarles una calidad de vida mejor y seguir adelante con planes propuestos por él y su señora esposa. 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
  • 10
    View loans »
    Costa Rica Loans Fundraising
  • $4,502,650
    Funds lent in using Kiva
  • 502.2
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Jose Guillermo to purchase tools for his construction jobs.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 20, 2011
Jul 4, 2011
Currency Exchange Loss:
Dec 22, 2014