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Xinia is 48 years old, married and lives with her husband and children who are her top priority. With this loan she intends to buy fertilizer, fungicide and to pay for the labor to prepare her land for cultivating coffee. In addition, she will buy high-quality seedlings of the variety of coffee that grows well in this region in order to replant and increase the density of her crop. She wants to take advantage of the fertile soil, weather, and other conditions that favor coffee planting.

With these improvements to her coffee crop, Xinia hopes to achieve a small profit and improve her family’s living conditions. She also plans to invest a little more in her coffee fields to achieve her goals. This is the first loan Xinia has received through FUDECOSUR. She has not had any loans with state banks, but FUDECOSUR has provided her the loan with better terms and a much lower interest rate.
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Xinia, tiene la edad de 48 años, está casada, vive con sus hijos y esposo que son su mayor prioridad. Con su crédito pretende hacer la compra de algunos fertilizantes, fungicidas y pagar mano de obra en trabajos culturales de asistencia para el café. Además de poder comprar unas plantas de almácigo de una buena calidad y de la variedad requerida para esta zona y para realizar resiembras y así aumentar la densidad de plantas por área, 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 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
  • 10
    View loans »
    Costa Rica Loans Fundraising
  • $4,501,700
    Funds lent in using Kiva
  • 499.5
    Costa Rica Colones (CRC) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,025 helped Xinia to buy fertilizer, fungicide and high-quality seedlings and to pay for the labor to prepare her land for cultivating coffee.
66% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Feb 27, 2013
Mar 24, 2013
Currency Exchange Loss: