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Freddy is 18-years-old, he is single, lives with his parents and brothers who are his main priority. With the loan he will buy a pregnant cow that also has a weaning calf. The idea is to take advantage of the following situation: space available with high quality grass, gradual development of the cow, the disposable water, the good condition of the land, the ideal climate to have animals, the ability to have milk, and growing the calves to sell them for meat in the future. With this purchase, he will be able to develop one more activity and simultaneously have a savings that will allow him to purchase more animals and invest in his property.

This is his first loan that he is receiving through Fudecosur. He has not had previous loans in banks, but Fudecosur has provided the loan with greater ease and much lower interest rates.
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Freddy, tiene la edad de 18 años, está soltero, vive con sus padres y hermanos que son su mayor prioridad. Con su crédito pretende hacer la compra de una vaca con una cría al destete y también se encuentra preñada. La idea es aprovechar el espacio que tiene de pasto de buena calidad y con un desarrollo adecuado y la disponibilidad de agua potable y las buenas condiciones de terreno y clima para poder tener estos animales y a la vez obtener algo de leche y desarrollar terneros para en el futuro venderlos para carne. Con esta compra podrá desarrollar una actividad más, y a la vez tener un ahorro que le permitirá ir teniendo más animales e invertir más en la propiedad. 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
  • 9
    View loans »
    Costa Rica Loans Fundraising
  • $4,502,650
    Funds lent in using Kiva
  • 500.4
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Freddy to purchase cattle and meat.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 10, 2013
Jul 2, 2013
Currency Exchange Loss:
Apr 20, 2014