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Karina is 30 years old, single, and lives with her parents and siblings, who are her highest priority.

With her loan, she would like to purchase some tools and equipment to make cakes and breads better, as well as raw ingredients. With these purchases, she hopes to have a better production and greater quantity, in order to offer the members of the neighboring communities a better quality product. She also hopes to earn a little more money and thus improve her family's living conditions, invest a little more in the area of pastries and also reach some goals.

This is the first loan that she has received from FUDECOSUR. She has never had other loans from state banks, but FUDECOSUR has offered her the loan with greater ease and with much lower interest rates.
View original language description ↓
Karina, tiene la edad de 30 años, está soltero, vive con sus padres y hermanos que son su mayor prioridad. Con su crédito pretende hacer la compra de algunas herramientas y equipo para hacer mejor los queques y panes, además de materia prima. Con estas compras espera obtener una mejor producción y en más cantidad para ofrecerle a los habitantes de las comunidad vecinas y un producto de mejor calidad y obtener poco más de ganancias y así mejorar las condiciones de vida de su familia y también invertir un poco más en el área de repostería y también cumplir algunas metas. 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
  • 38
    View loans »
    Costa Rica Loans Fundraising
  • $4,441,500
    Funds lent in using Kiva
  • 499.5
    Costa Rica Colones (CRC) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $725 helped Karina to produce pastries.
99% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Mar 16, 2013
Apr 15, 2013
Currency Exchange Loss:
Apr 17, 2015