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Denia is 35 years old, married and is currently living with her husband and three children. With this loan, Denia plans to buy supplies, such as fertliser, in order to start sowing her rice and also to pay for labour. She plans to maintain her crops so that they do not become damaged and so that her yield is not reduced. This way she hopes to generate more income to support her family. Denia is applying for her first loan from FUDECOSUR. She has not had any other loan with state banks and FUDECOSUR is providing this loan under better conditions and with a much lower interest rate.
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Denia tiene 35 años de edad, esta casada y vive con el esposo y tres hijos actualmente. Ella con crédito pretende comprar insumos como abonos para iniciar la siembra de arroz, 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 de arroz poder generar más ganancias para contribuir con su familia, por lo que 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
  • 43
    View loans »
    Costa Rica Loans Fundraising
  • $4,436,225
    Funds lent in using Kiva
  • 499.4
    Costa Rica Colones (CRC) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $325 helped Denia to sow rice.
99% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 1, 2013
Apr 28, 2013
Currency Exchange Loss:
Jun 18, 2015