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Giner is 44 years old. He is married but he lives alone. With his loan, he intends to buy fertilizer, fungicide and to pay for labor costs to help with the coffee. He will also buy some seedlings to do some re-planting when the rains begin in order to increase the density of plants by area. and take advantage of the good soil fertility and weather conditions that favor coffee growing. With these improvements to the crop he hopes obtain a little profit. This will help him improve his quality of life and also invest a little more in the planting area and achieve some personal goals. This is the first loan that he has received from FUDECOSUR. He hasn't had any previous loans with state banks, but FUDECOSUR has offered him a loan with more ease of payment and a much lower rate of interest.
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Giner, tiene la edad de 44 años, está casado pero vive solo. Con su crédito pretende hacer la compra de fertilizantes, fungicidas y pagar mano de obra 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 y también invertir un poco más en el área de cultivo y también cumplir algunas metas personales. 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
  • 51
    View loans »
    Costa Rica Loans Fundraising
  • $4,677,350
    Funds lent in using Kiva
  • 502.4
    Costa Rica Colones (CRC) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,000 helped Giner to plant coffee.
66% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
May 22, 2013
May 31, 2013
Currency Exchange Loss: