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Norma is 57-years old. She is married and currently lives with her husband and two children. With the loan, she plans to purchase supplies, like fertilizers and insecticides, and also to pay for help with the labor. She plans to maintain her crops and keep them from harm so she won't lose any production. And with her coffee project, Norma will be able to generate more income to contribute to her family. Norma doesn't have the capital she needs to make the above-mentioned purchases or to contract laborers, as she is low-income. She doesn't have any way to acquire the money she would need, and that is why she is requesting the loan. It is the first she has received from FUDECOSUR. Norma has never before taken out a loan from a state bank, but FUDECOSUR has offered her the loan with much better terms and at a much lower interest rate.
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Norma tiene 57 años de edad, esta casada y vive con el esposo y dos hijos actualmente. Ella con crédito pretende comprar insumos como abonos, fumigantes, y a su vez ayudarse con la mano de obra. Ella piensa dar mantenimiento a las plantaciones, para que este no sufra ningún daño, y no se pierda la producción, y así con su proyecto cafetalero poder generar más ganancias para contribuir con su familia, ella no cuenta con el capital necesario para dicha compra, ni dichos contratos, ya que es de bajos recursos y no tiene como adquirir el dinero necesario para esto, por lo que el solicito un crédito, y es el primer 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 Costa Rica

  • $12,900
    Average annual income
  • 48
    View loans »
    Costa Rica Loans Fundraising
  • $4,673,875
    Funds lent in using Kiva
  • 499.3
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Norma to purchase supplies.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Mar 21, 2013
Apr 9, 2013
Currency Exchange Loss:
May 17, 2015