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Grace is 39 years old and married, but she lives alone. She intends to use her loan for preparing her land so that she can plant a coffee nursery before the start of the rainy season. Grace will buy fertilizers, fungicides, and pay for labor that is needed to prepare the land. In addition, she will buy a few seedlings to sow in order to have a new crop and more plants that are of good quality. She plans to take advantage of the fertile soil, weather conditions, and other factors that benefit coffee production. With this new crop, she expects to generate a bit more profit in the midterm and improve her living conditions. She will be able to invest a little more into her crops, which will help her to accomplish some of her goals.

This is the first loan that Grace has received from FUDECOSUR. She has not had any other loans with the state banks. FUDECOSUR is providing this loan with better terms and a lower interest rate.
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Grace, tiene la edad de 39 años, está casada, vive sola. Con su crédito pretende hacer la preparación del terreno para hacer la siembra de almácigo de café a inicio de lluvias y comprar de fertilizantes, fungicidas y pagar mano de otra en trabajos del terreno, además de comprar algunas plantas de almácigo para hacer la siembras con el objetivo de tener una plantación nueva y con una densidad de plantas por área de buena calidad, además de aprovechar la buena fertilidad del suelo y las condiciones de clima y otras que favorecen al cultivo de café. Con esta siembra de cultivo espera obtener un poco de ganancias a mediano plazo y así mejorar las condiciones de vida y también invertir un poco más en el área de cultivo 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
  • 9
    View loans »
    Costa Rica Loans Fundraising
  • $4,502,650
    Funds lent in using Kiva
  • 499.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Grace to buy coffee seedlings, fertilizers, fungicides, and pay for labor.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Mar 17, 2013
Apr 17, 2013
Currency Exchange Loss:
Jan 17, 2015