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José Ovidio
José Ovidio is 25 years old. He is single and lives with his parents and siblings who are his main priority. He plans to use his loan to buy fertilizers and other chemical products. He will also pay laborers to apply the products and tend his crops. In this way, he will ensure a good job. What he plans to do is make the most of the good climatic and soil conditions that he has for his crops and put into practice the experience that he has gained over several years in growing basic grains. He will also be able to buy the best, top-quality products so that his crops develop well and in good health. He hopes to obtain a suitable yield in the short term.

This is José Ovidio's first loan from FUDECOSUR. He has not received previous loans from state banks but FUDECOSUR have offered him this loan with better facilities and a much lower interest rate.
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José Ovidio, tiene la edad de 25 años, está Soltero, vive con sus padres y hermanos que son su mayor prioridad. Él con su crédito pretende hacer la compra de fertilizantes o otros productos químicos, además pagar mano de obra para la aplicación de los productos y asistencia de la plantación, y de esta manera asegurarse de realizar un buen trabajo. Lo que pretende es aprovechar las buenas condiciones de clima y suelo que cuenta para este cultivo, y también poner en práctica la experiencia de varios años en el manejo de granos básicos. Además de poder comprar los mejores productos y de mejor calidad para que su plantación tenga un buen desarrollo y sanidad, y tener a corto plazo una producción adecuada. Es el primer préstamo que recibido de FUDECOSUR. Él 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
  • 55
    View loans »
    Costa Rica Loans Fundraising
  • $4,673,875
    Funds lent in using Kiva
  • 498.0
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped José Ovidio to maintain his bean crops.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 17, 2012
Jul 15, 2012
Currency Exchange Loss:
Dec 17, 2014