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Vilma Zaraida
Vilma Zaraida is 35 years old, married and lives with her three children and husband. With the loan she wants to buy a motor pump to better fumigate her coffee crops and buy materials like manure, herbicides, fumigate and a saw to cut the branches of trees that give shade to the coffee crops. She wants to buy these machines and the materials to work quickly and plant the coffee at the best time and subsequently have more earnings, a better quality of life and economic stability. This is her first loan through FUDECOSUR, she has not received any other loans from state banks but FUDECOSUR gave her the loan easily with lower interest rates.
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Vilma Zaraida, tiene la edad de 35 años, está casada, vive con sus tres hijos y el esposo actualmente. Ella con el crédito pretende comprar una bomba de motor para fumigar el café con una mejor aplicación y además la compra de insumos como abonos, herbicidas, fumigaciones y además comprar una sierra para desramar los arboles que generan sombra al café. Ella tiene pensado comprar estas maquinas e insumos para poder trabajar de una forma más ágil y oportuna la plantación de café, así poder obtener más ganancias para obtener una mejor calidad de vida y una 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

  • $11,100
    Average annual income
  • 0
    View loans »
    Costa Rica Loans Fundraising
  • $4,023,725
    Funds lent in using Kiva
  • 503.6
    Costa Rica Colones (CRC) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $800 helped Vilma Zaraida buy materials and a motor pump.
73% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Mar 19, 2012
Apr 25, 2012
Currency Exchange Loss: