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Sandra is 20 years old, single, and lives with her parents. She plans to take a loan to buy supplies to improve her coffee crops. She has land planted with coffee, and she needs to improve the land so that she can have a better harvest. She wants to have her coffee crops in good condition so that they will generate a good harvest and so that she can have more coffee to sell. She wants to generate more earnings for her own well-being and for that of her parents, and to expand her coffee business. This is the first loan that she has received from FUDECOSUR. She has not had prior loans from the state banks, but FUDECOSUR has provided her with a loan with better terms and an interest rate that is much lower than that offered by the banks.
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Sandra, tiene la edad 20 de años, está soltera y vive con sus padres. Ella pretende con el crédito realizar la compra de insumos para la mejora del cafe. Ella cuenta con un terreno sembrado de café y necesita mejorarlo para tener una mejor cosecha. Ella quiere tener su cafetal en buenas condiciones para que genere una buena cosecha y asi lograr una mejor venta de cafe. Ella quiere generar la mayor cantidad de ganancias para su bienestar y la de sus padres y crecer con el proyecto de cafe. 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
  • 57
    View loans »
    Costa Rica Loans Fundraising
  • $4,673,875
    Funds lent in using Kiva
  • 499.9
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Sandra with her coffee crops.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 13, 2011
Aug 13, 2011
Currency Exchange Loss:
Jan 15, 2012