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Flory is 37 years old and married. She and her husband live with their two children, who are their major priority. With the loan, Flory is going to purchase a dairy cow, as her land is well suited to care for the animal. The cow can produce milk not only for her home, but Flory can generate some income by selling the extra milk. This will help her husband with some of the household expenses. This is her first loan with FUDECOSUR. She's not received other loans, but FUDECOSUR is loaning the money on good terms and with very low interest rates.
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Flory, tiene la edad de 37 años y está casada. Actualmente vive con su esposa y sus 2 hijas que son su mayor prioridad. Ella con el crédito va compra una vaquilla para la producción de leche. Ella cuenta con el terreno apto sembrado de pasto para el cuido excelente de este animal. Ella realizara la compra para darle uso al terreno pues actualmente se está perdiendo sin ningún uso y con un excelente estado des repasto. Ella quiere con este vaca generar la leche para el consumo de su hogar y así poder dejar de tener un egreso de su esposo y poder utilizar el dinero para otras cosas. También piensa que la leche que le sobre la venderá para generar también unas ganancias extras y ayudarle a su esposo con las responsabilidades. 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
  • 39
    View loans »
    Costa Rica Loans Fundraising
  • $4,438,125
    Funds lent in using Kiva
  • 509.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Flory to purchase a dairy cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Sep 27, 2011
Oct 30, 2011
Currency Exchange Loss:
Aug 16, 2012