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Zaida, 35, is married and lives with her husband and their 3 children. With this loan, she plans to buy fabric to make school uniforms for her children, and also notebooks, pens, pencil sharpeners, and school bags to carry the supplies. Zaida wants her children to study so that they can have a better future and a better quality of life. She and her husband have limited resources; the only inheritance that she can give them is an education, so that they will be able to provide for themselves in the future. This is why she is requesting this loan. This is the first loan that she has received from FUDECOSUR. She hadn't taken loans with the state banks before, but FUDECOSUR has provided her with a loan with better payment terms and a much lower rate of interest.
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Zaida, tiene la edad de 35 años, está casada, vive con sus tres hijos y el esposo actualmente. Ella con el crédito pretende comprar tela para hacer la ropa del uniforme para que puedan hir a la escuela y además los cuadernos, lapiceros, maquinillas y los bolsos para llevar los útiles. Ella lo que quiere es que los hijos puedan estudiar para que puedan tener un mejor futuro y una mejor calidad de vida, ya que ellos son de bajos recursos y la única herencia que les pueden dar es el estudio para que se puedan defender en el futuro, es por eso que ella solicita. Es el primer préstamo que 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 Costa Rica

  • $12,900
    Average annual income
  • 54
    View loans »
    Costa Rica Loans Fundraising
  • $4,673,875
    Funds lent in using Kiva
  • 499.6
    Costa Rica Colones (CRC) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $225 helped Zaida to buy school supplies.
66% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jan 22, 2013
Feb 22, 2013
Currency Exchange Loss: