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Cecilia Ramona
Cecilia is a 57 year old married woman who lives with her husband. With this loan, she intends to purchase beans to plant and to contract manual labor. She wishes to start a new project that will generate revenue so she can come out ahead with her husband as he no longer has the capacity to maintain their home and she has to fend for both of them.

She has decided to start her business but because of her lack of resources she hasn't been able to purchase the beans nor the labor to start said business. This is why she is seeking a loan. It is the first loan she has received from FUDECOSUR. She has never had a loan from a commercial bank but FUDECOSUR has granted her the loan with much less difficulty and lower interest rates.
View original language description ↓
Cecilia tiene 57 años de edad, esta casada y vive con el esposo actualmente. Ella con el crédito pretende comprar frijoles para siembra y a su vez contratar mano de obra. ella desea iniciar un nuevo proyecto donde le genere ganancias para poder salir adelante junto a su esposo, ya que este no se encuentra en las capacidades necesarias para mantener su hogar, y por lo que esta señora con un espíritu de superación tiene que velar por los dos, y a decidido encaminar su plan de negocio, pero debido a sus bajos recursos no cuenta con el dinero necesario para poder realizar la esta compra, ni para contratar personas que le colaboren con las labores, que dicho negocio necesita para alcanzar la meta deseada, por lo que el solicito un crédito, y es el primer préstamo que ha 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
  • 38
    View loans »
    Costa Rica Loans Fundraising
  • $4,441,500
    Funds lent in using Kiva
  • 499.5
    Costa Rica Colones (CRC) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,025 helped Cecilia Ramona siemb de frijoles.
66% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Oct 22, 2012
Nov 11, 2012
Currency Exchange Loss: