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José is 24 years old, single and lives with his parents and brothers, who are his main priority. With his loan he will purchase fertilizers, fungicides and to pay for labor to help him with his coffee crop, as well as purchasing some copperwood trees to replant when the rainy season starts because he wants to increase the density of his plants as well as taking advantage of the fertility of the soil and the climate conditions and other factors that favor the cultivation of coffee. With his improved harvests, he hopes to earn a little more money and be able to improve his family's living conditions as well as be able to invest a little more in his crop and to be able to complete some other goals. This is the first loan that he has received from FUDECOSUR. He has not had any previous loans with any state banks, but FUDECOSUR is able to loan him money more easily and with more lower interest rates.
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José, tiene la edad de 24 años, está soltero, vive con sus padres y hermanos que son su mayor prioridad. Con su crédito pretende hacer la compra de fertilizantes, fungicidas y pagar mano de otra en trabajos de asistencia para el café, además de comprar algunas plantas de almácigo para hacer resiembras a inicio de lluvias esto con el objetivo de 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
  • 46
    View loans »
    Costa Rica Loans Fundraising
  • $4,682,600
    Funds lent in using Kiva
  • 500.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped José purchase fertilizers, fungicides and to pay for labor.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 9, 2013
Apr 8, 2013
Currency Exchange Loss:
Jul 17, 2014