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Bernardita is 46 years old, married, and lives with her husband and two children who are currently her highest priority. She will use this loan to buy tubing and cables needed for installation. Bernardita has a home that provides optimal conditions, but installing electricity will be a major improvement. For this reason, she would like to avoid some type of dangerous accident. She would like to make her home safer by avoiding fires or accidents. Bernardita wants to provide her children with a decent home where they can live free of the risk of mishaps in the future and still continue to have a family atmosphere as always.

This is the first loan she has received from FUDECOSUR. Bernardita has not received any other loans from the state banks. FUDECOSUR is providing this loan with better terms and a lower interest rate.

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Bernardita, tiene la edad de 46 años, está casado, vive con sus 2 hijos y su esposo que son actualmente su mayor prioridad. Ella con el crédito quiere comprar el tubo y el cable para realizar la instalación. Ella tiene su casa en óptimas condiciones pero la instalación de electricidad la quiere mejor para así evitar algún accidente peligroso con esta. Ella querer darle a su casa una mejor seguridad para evitar incendios o accidentes. Ella quiere darles a sus hijos una casa digna y que siempre puedan contar con ella sin peligro de percances en el futuro y así seguir viviendo en un ambiente familiar de armonía siempre. 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 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
  • 10
    View loans »
    Costa Rica Loans Fundraising
  • $4,502,650
    Funds lent in using Kiva
  • 502.1
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Bernardita to pay for the installation of electricity in her home.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jan 2, 2012
Jan 31, 2012
Currency Exchange Loss:
Feb 20, 2015