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Ruben is twenty-eight years old and is married. He lives with his wife and son; they are his top priority.

With his loan, he will buy fertilizers, fungicide, and pay laborers to help with the coffee. He will also be able to buy seedling plants in order to replant and thereby increase the plant density in the area. He will be able to furthermore take advantage of the fertile ground, climate, and other conditions that favor the cultivation of coffee.

With these improvements to his crop, he hopes to obtain profits and thereby improve the life conditions of his family. He also hopes to invest a bit more in his crop land and to also meet some of his goals.

This is the second loan he has received through FUDECOSUR. He had not had other loans previously in state banks, but FUDECOSUR offered him a loan with greater ease and at a much lower interest rate.
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Ruben, tiene la edad de 28 años, está casado, vive con su esposa e hijo que son su mayor prioridad. Con su crédito pretende hacer la compra de fertilizantes, fungicidas y pagar mano de otra en trabajos de asistencia para el café. Además de poder comprar unas plantas de almácigo para realizar resiembras y así aumentar la densidad de plantas por área, además de aprovechar la buena fertilidad del suelo y las condiciones de clima y otras que favorecen al cultivo de café. Con estas mejoras al cultivo espera obtener un poco de ganancias y así mejorar las condiciones de vida de su familia y también invertir un poco más en el área de cultivo y también cumplir algunas metas. Es el segundo 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
  • 43
    View loans »
    Costa Rica Loans Fundraising
  • $4,434,250
    Funds lent in using Kiva
  • 500.2
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Ruben to attend to his coffee plantation in buying fertilizers, fungicide, and paying day laborers.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Dec 3, 2012
Dec 18, 2012
Currency Exchange Loss:
Jan 17, 2015