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This humble and hard-working woman, Sonia, is married and currently lives together with her husband. She is requesting a loan which she will use to purchase beans for planting, and products such as fertilizers, which will help her plants grow strong, and insecticides, which will prevent insects from damaging her harvest. Sonia has faith that this economic venture will generate future income and be able to support her home, as the current income that the family has is insufficient to meet all of their needs. This is the first loan that she has received from FUDECOSUR. She has not received any prior loans from state banks, but FUDECOSURE has been able to provide her with a better arrangement and an interest rate that is much lower.
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Esta mujer humilde y muy trabajadora de nombre Sonia, está casada, y vive con su esposo actualmente, ella solicito un préstamo con el cual pretende comprar frijoles para sembrar, y productos para darle asistencia al mismo como abonos, que fortalecen el crecimiento de la planta, eh insecticidas que no permiten k ningún insecto pueda provocar daños a la producción,, puesto que ella tiene la fe de que esta actividad económica le genere ganancias a futuro, y así poder sostener su hogar, ya que los ingresos k esta familia tiene, no son suficientes para poder solventar todas sus necesidades, por lo que ella 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
  • 57
    View loans »
    Costa Rica Loans Fundraising
  • $4,673,875
    Funds lent in using Kiva
  • 499.7
    Costa Rica Colones (CRC) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $725 helped Sonia to purchase beans.
66% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Nov 1, 2012
Nov 26, 2012
Currency Exchange Loss: