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Miriam, 52, is married and lives just with her two grandchildren. She intends to use the loan to buy materials to do some home improvements in the kitchen area. She has her own house and she wants to improve the kitchen which is in bad condition. What she wants to do is make it more attractive and provide security for her home appliances that are located in it because they are very important for the food preparation tasks for herself and her granddaughters.

Her goal is to have a safe home and with the best possible maintenance so that she can keep it in the best possible state. This is her first loan from Fudecosur. She’s had no previous loans with state banks but Fudecosur offered the best terms and a much lower interest rate.
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Miriam, tiene la edad 52 de años, está casada y vive con sus 2 nietos solamente. Ella pretende con el crédito comprar los materiales para la mejora de su hogar en la parte de la cocina. Ella cuenta con la casa propia y quiere darle una mejora a su cocina pues se encuentra en mal estado. Ella lo que quiere es darle una mejor presentación y mayor seguridad a sus electrodomésticos que se encuentran en ella, pues son muy importantes para la realización de las tareas de cocinar para su bienestar y la de sus nietas. Ella tiene como meta tener su hogar seguro y con el mejor mantenimiento posible y así mantenerla en el mejor estado de la vivienda. 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 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
  • 53
    View loans »
    Costa Rica Loans Fundraising
  • $4,673,875
    Funds lent in using Kiva
  • 499.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Miriam to repair the kitchen.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jul 21, 2011
Aug 3, 2011
Currency Exchange Loss:
Dec 22, 2014