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Jorge, 44, is married. He lives with his children and his wife, who are his main priority. With this loan, he plans to prepare some land to put in new crops, because the current plants are depleted due to the harvests that they have provided over a number of years. He will also buy fertilizers and fungicides, pay for workers to help him with the coffee crops, and buy some new coffee seedlings to plant. In this way, he will have a new coffee plantation in a short period of time, where he will be able to take advantage of the good fertility of the earth and the favorable climatic conditions for coffee cultivation.

With these improvements, he expects to get more earnings in the future, and in this way improve his family's living conditions. He will also be able to invest a bit more in his farm, and also accomplish some other goals that he has. This is his first loan with FUDECOSUR. He had not taken loans before with the state banks, but FUDECOSUR has provided him with a loan with better payment terms and a much lower rate of interest.
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Jorge, tiene la edad de 44 años, está casado, vive con sus hijos y esposa que son su mayor prioridad. Con su crédito pretende hacer la preparación del terreno para realizar una siembre nueva ya que las plantas existentes se encuentran agotadas por los años de cosecha que han brindado durante varios años además la compra de fertilizantes, fungicidas y pagar mano de obra de otros trabajos de asistencia para el café. Además de poder comprar unas plantas de almácigo para realizar la siembra y así tener a corto plazo un cafetal nuevo, también 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 a futuro 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 primer 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
  • 47
    View loans »
    Costa Rica Loans Fundraising
  • $4,672,725
    Funds lent in using Kiva
  • 500.0
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Jorge to cultivate coffee.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Dec 3, 2012
Jan 14, 2013
Currency Exchange Loss:
Nov 17, 2013