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Ramón is 41 years of age, is married, and lives with his wife and five children. He has requested a loan to buy fertilizers and help with his coffee plantation. He wants to look after his crops properly, so that he can have a bigger harvest and therefore obtain greater income.

Ramón has worked growing coffee for many years. In the future, he hopes to be able to improve his family’s quality of life and give them better financial stability, as well as to continue growing as a person and a coffee producer. This is the first loan that he has received from FUDECOSUR. He had not received any prior loans from the state-run banks, but FUDECOSUR has given him this loan with better repayment facilities and much lower interest rates.
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Ramón tiene la edad de 41 años, está casado y vive con la esposa y cinco hijos. El crédito lo quiere para la compra de abono y dar asistencia a una plantación de café. El desea darle el adecuado mantenimiento al cultivo para que este le permita tener una mayor producción y así tener mayores ingresos económicos. El trabaja desde hace muchos años en el cultivo de café. El espera en un futuro brindarle a su familia una mejor calidad de vida y una mayor estabilidad económica, y de poder seguir creciendo como persona y como productor. Es el primer préstamo que recibido de FUDECOSUR. El 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
  • 50
    View loans »
    Costa Rica Loans Fundraising
  • $4,673,875
    Funds lent in using Kiva
  • 499.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Ramon to buy agricultural supplies.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jan 20, 2013
Feb 19, 2013
Currency Exchange Loss:
Aug 18, 2013