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Gilberto, 44, is married and lives with his children and his wife, who are his biggest priority.

With his loan he plans to buy fertilizer and fungicide, and pay labor to prepare the land. He also plans to buy some seedling plants to grow at the beginning of the rainy season to increase his planting area and make the most of good soil fertility, the climate, and other conditions that favor coffee growing.

With these improvements to the crop he hopes to earn some profit and improve his family's living conditions. He also hopes to invest a little more in the crop and achieve some goals.

This is his first loan from FUDECOSUR. He had not previously had other loans from state banks, but FUDECOSUR offered him a loan with better terms and a much lower interest rate.
View original language description ↓
Gilberto, tiene la edad de 44 años, está casado, vive con sus hijos y esposa que son su mayor prioridad. Con su crédito pretende hacer la compra de fertilizantes, fungicidas y pagar mano de otra en trabajos de preparación del terreno, además de comprar algunas plantas de almácigo para hacer siembra a inicio de lluvias esto con el objetivo de aumentar el área de plantas, además de aprovechar la buena fertilidad del suelo y las condiciones de clima y otras condiciones 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

  • $11,100
    Average annual income
  • 9
    View loans »
    Costa Rica Loans Fundraising
  • $3,978,825
    Funds lent in using Kiva
  • 502.4
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Gilberto to grow coffee.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
May 6, 2013
May 26, 2013
Currency Exchange Loss:
Apr 20, 2014