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Emilce, 40, is married living with her four children and her husband at present. She intends to use the loan to buy coffee seedlings and also some supplies like manure and fumigation as well as to buy a machine to clean the coffee. She plans to buy the seedlings in order to increase production in the future and the supplies and machine to keep the coffee free of weeds and in excellent condition to generate more profits and obtain a better quality of life and economic stability for her family.

This is the first loan she’s gotten from Fudecosur. She’s had no previous loans from state banks but Fudecosur has offered the best terms and a much lower interest rate.
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Emilce, tiene la edad de 40 años, está casada, vive con sus cuatro hijos y el esposo actualmente. Ella con el crédito pretende comprar almacigo de café y también insumos como abonos y fumigaciones y además comprar una máquina para limpiar el café. Ella tiene pensado comprar el almacigo para aumentar su producción a futuro y además los insumos y la máquina para mantener el café limpio de maleza y en excelente estado y así generar más ganancias y obtener una mejor calidad de vida y una estabilidad económica para ella y su familia. 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 Costa Rica

  • $12,900
    Average annual income
  • 58
    View loans »
    Costa Rica Loans Fundraising
  • $4,673,875
    Funds lent in using Kiva
  • 501.6
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Emilce to buy plants to transplant and a machine.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 18, 2012
May 26, 2012
Currency Exchange Loss:
Jun 18, 2013