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Harbie, 44, is married living with his wife and four children two of which are attending school at present. He intends to use the loan for his tomato crop and will buy supplies like manure and fumigations and will hire day laborers. He’s thinking about planting tomatoes and all these supplies will be used to care for the crop properly so that higher profits will be generated from its future sale and he will attain better living conditions and economic stability.

This is his first loan from Fudecosur. He’s had no previous loans with state banks but Fudecosur offered the best terms and a much lower interest rate.
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Harbie, tiene la edad de 44 años, está casado, vive con su esposa y cuatro hijos de los cuales dos están estudiando actualmente. El con el crédito pretende realizar una plantación de tomate y además comprar insumos como abonos y fumigaciones y ayudarse con la mano de obra. El tiene pensado sembrar tomate y con todos estos insumos darle el adecuado mantenimiento para su posterior venta y poder generar más ganancias y 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

  • $12,900
    Average annual income
  • 10
    View loans »
    Costa Rica Loans Fundraising
  • $4,502,650
    Funds lent in using Kiva
  • 499.6
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Harbie to buy farm supplies.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 24, 2012
Jul 27, 2012
Currency Exchange Loss:
May 17, 2014