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Yajairais 28, single, and lives with her two children. With the loan, she intends to plant coffee on her property, which is uncultivated. She intends to invest in seed in order to do the seedling bed first. Then she will buy supplies such as fertilizers and fungicides, and hire labor, in order to get a better coffee harvest and better yield.

She wishes to put her small farm into production, and earn as much as she can for her well-being and that of her children. In this way, she will be in a more stable financial situation.

This is the first loan she has received from Fodecosur. She hadn't had other loans before from state banks, but Fodecosur has offered her the loan on better terms and at a much lower interest rate.
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Yajaira, tiene la edad de 28 años de edad, está soltera y vive con sus dos hijos. Ella pretende con el crédito sembrar de café la propiedad, la cual esta baldía. Ella pretende invertir en semilla para realizar el almacigo primero y luego invertir en insumos como abonos, mano de obra y fungicidas para obtener una mejor cosecha del café y un mejor rendimiento. Ella quiere poner a producir su finca y obtener la mayor cantidad de ganancias para su bienestar y la de sus hijos y así tener una mejor estabilidad económica. 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
  • 38
    View loans »
    Costa Rica Loans Fundraising
  • $4,438,125
    Funds lent in using Kiva
  • 505.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Yajaira to buy seed and supplies for her coffee seedling bed.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Feb 23, 2012
Mar 26, 2012
Currency Exchange Loss:
Jun 18, 2013