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Jennifer, 20, is single and she lives with her parents and her siblings who are her main priority. With this loan, she plans to prepare the land in time before the first rains, in addition to purchasing fertilizers, fungicides, nursery plants and to pay for help to sow the coffee. The loan will also enable her to buy a few nursery plants to sow and to increase the plantation area, in addition to benefiting from the land's good fertility, climatic conditions and other conditions which are favorable to the cultivation of coffee.

It is through these improvements that Jennifer hopes to gain some profits and thereby improve her family's living conditions and also invest a bit more in the crop to achieve her aim of continue her studies. This is the first loan that she has received from FUDECOSUR. She has never had other loans from state banks, but FUDECOSUR gave her the loan with more ease and much lower interest rates.
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Jennifer, tiene la edad de 20 años, está soltera, vive con sus padres y hermanos que son su mayor prioridad. Con su crédito pretende hacer la preparación del terreno a tiempo antes de las primeras lluvias y también la compra de fertilizantes, fungicidas, plantas de almácigo y pagar mano de otra en trabajos de siembra para el café. Además de poder comprar unas plantas de almácigo para realizar siembras y así aumentar el área de plantas, además de 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 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 con la meta de seguir estudiando. 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
  • 53
    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 $625 helped Jennifer to sow coffee.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Feb 25, 2013
Mar 24, 2013
Currency Exchange Loss:
Nov 29, 2014