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Karina is 19 years old, single, and lives with her parents and siblings who are her greatest priority. She will use the money from this loan to repair part of her home because the water leaks in when it rains. She wants to take advantage of the low prices and sales on good quality building materials to make the repairs. With these repairs she is hoping for better stability and wellbeing for her family so that they can spend the New Year in peace and begin 2013 with better living conditions and hope. This will be her first loan through FUDECOSUR. She has not had any previous loans with other banks, but FUDECOSUR provided her a loan with no problems and at a much lower interest rate.
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Karina, tiene la edad de 19 años, está soltera, vive con sus padres y hermanos los cuales son su mayor prioridad. Con su crédito pretende hacer la reparación en una parte de la casa ya que cuando llueve el agua se le mete adentro de la vivienda. Lo que pretende es aprovechar los precios bajos y ofertas en los materiales de construcción de buena calidad y hacer las reparaciones necesarias. Con las mejoras que pretende hacer quiere buscar una mejor estabilidad y bienestar para su familia y pasar un fin de año con más tranquilidad y comenzar el 2013 con mejores condiciones de vida y positivismo. Es el primer préstamo que recibido de FUDECOSUR. 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
  • 37
    View loans »
    Costa Rica Loans Fundraising
  • $4,443,750
    Funds lent in using Kiva
  • 499.8
    Costa Rica Colones (CRC) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,025 helped Karina to make home repairs.
95% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Nov 27, 2012
Dec 25, 2012
Currency Exchange Loss: