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Damaris is 27, married, and lives with her husband and young daughter. She will use the loan to buy building materials like sand, cement, nails, and other items. She plans to remodel her kitchen so that is it more accessible and comfortable. It is quite small, and she lacks the money to expand it. She is applying for a loan, which will be the second one she has received from FUDECOSUR. She had no prior government loans, but FUDECOSUR has offered her good terms and much lower interest rates.
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Damaris tiene 27 años de edad, esta casada y vive con el esposo y una hija actualmente. Ella con crédito pretende comprar materiales como arena, sementó, clavos entre otros. Ella piensa realizar un arreglo a la cocina de la casa para tener mejor aseo y mayor comodidad, ya que la casa es bastante pequeña y no hay recursos para hacerla más grande, por lo que ella solicito un crédito, y es el segundo 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 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
  • 10
    View loans »
    Costa Rica Loans Fundraising
  • $4,502,650
    Funds lent in using Kiva
  • 500.2
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Damaris to remodel her kitchen.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jan 10, 2013
Feb 5, 2013
Currency Exchange Loss:
Mar 15, 2013