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José Joaquín
José Joaquín, age 49, is married and has three children who are his greatest priority.

He wants to buy corn and bean seeds and supplies in order to plant ten hectares on his farm, which is his own property. He has been devoting himself to his farm for several years. He wants to grow, and he also wishes for his farm to become more productive.

This is the first loan that he has received from FUDESCOSUR. He had no previous loans with state banks or cooperatives, but FUDESCOSUR offered the loan with better terms and a much lower interest rate.

He has the desire to give his children the education they need in order to be prepared in the future and so that they are able to face life in an easier way.

He is currently a member of an association of basic grains producers. This association helps other producers to be able to sell their harvests.
View original language description ↓
José Joaquín, tiene la edad de 49 años, es casado, y tiene 3 hijos que son su mayor prioridad. El quiere comprar Semilla de maíz y frijoles e insumos para Sembrar en finca de 10 hectáreas que es de su propiedad. Tiene varios años que se dedica a su finca y quiere crecer y también desea que su finca sea muy productiva. Es el primer préstamo que ha recibido de FUDECOSUR. No ha realizado otros préstamos en bancos estatales o Cooperativas, pero FUDECOSUR le brindó el préstamo con mayores facilidades y la tasa de interés es mucho más baja. El también tiene el deseo de brindarle a sus hijos la educación necesaria para que sean en el futuro personas preparadas y puedan enfrentar de manera más fácil la vida. En la actualidad es miembro de una asociación de produtores de granos básicos, la cual ayuda a otros productores para poder vender las cosechas.

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
  • $4,441,500
    Funds lent in using Kiva
  • 497.6
    Costa Rica Colones (CRC) = $1 USD
A loan of $2,025 helped José Joaquín to plant corn and beans.
Repayment Term
62 months (Additional Information)
Repayment Schedule
Mar 28, 2012
Apr 28, 2012
Currency Exchange Loss:
May 28, 2012