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Cesar is 35 years old. He is divorced and lives alone With his loan he intends to buy wood and pay for labor to do some home repairs.This way, he can ensure that the job is done well. What he wants is to be able to buy the best materials of good quality so his house can be in good condition and he can improve his quality of life. Wit h the improvements to his home, he hopes to have his own place to live and have more money on hand to go to school and in the future have more income and help his family more. This is the first loan he has received from FUDECOSUR. He has had other loans before in other state banks, but FUDECOSUR has offered the loan with easier terms and a mouch lower interest rate.
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Cesar, tiene la edad de 35 años, está divorciado, vive solo. El con su crédito pretende hacer la compra de madera y pagar mano de obra para la reparación de su casa, y de esta manera asegurarse de realizar un buen trabajo. Lo que quiere es poder comprar los mejores materiales y de buena calidad para que su casa quede en buen estado y así mejorar su calidad de vida. Con las mejoras a su vivienda espera tener un lugar propio donde vivir y tener más liquidez para estudiar y en un futuro poder tener un ingreso mejor y ayudar más su familia. 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Costa Rica

  • $12,900
    Average annual income
  • 9
    View loans »
    Costa Rica Loans Fundraising
  • $4,502,650
    Funds lent in using Kiva
  • 499.3
    Costa Rica Colones (CRC) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,025 helped Cesar to do home repairs.
93% repaid
Repayment Term
56 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Oct 26, 2012
Currency Exchange Loss: