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Rosa is 51 years old, married, and lives with her husband and their children which are her major priority. With this loan she intends to purchase bean seeds of good quality, and to assure that they will develop well under conditions in this zone, adequate fertilizers and other products for application to the crop, assuring a good germination. Also, she wishes to pay laborers for applying the products and assisting with the plants once they develop, in this way, assuring good results.

Rosa intends is to take advantage of the good climate and soil conditions the zone enjoys for the crop and, also, to put in practice her experience of various years in managing basic grains. In addition to being able to buy products of the best quality to assure that her plantings may have a good and healthy development and an adequate production, she hopes for an important harvest in the short run.

The income Rosa expects to obtain from the harvest will be utilized for her family's well-being and the education of her children, and to comply with other family goals, plus continue investing in her crops.

This is Rosa's 1st loan through FUDECOSUR. She has had no previous loans from state banks, but FUDECOSUR has offered her the loan under the best terms and at a much lower interest rate.
View original language description ↓
Rosa, tiene la edad de 51 años, está casada, vive con su esposo y sus hijos los cuales su mayor prioridad. Con su crédito pretende hacer la compra de semilla de frijol de buena calidad y que se desarrolle bien en las condiciones de la zona, fertilizantes adecuados y otros productos para aplicarle a la siembra y así que tenga una buena geminación, además pagar mano de obra para la aplicación de los productos y asistencia de la plantación una vez que tenga desarrollo, y de esta manera asegurarse de realizar un buen trabajo. Lo que pretende es aprovechar las buenas condiciones de clima y suelo que cuenta la zona para este cultivo, y también poner en práctica la experiencia de varios años en el manejo de granos básicos. Además de poder comprar los mejores productos y de mejor calidad para que su plantación tenga un buen desarrollo y sanidad al igual que una cosecha adecuada, y tener a corto plazo una producción importante. Con el ingreso de la cosecha que espera obtener quiere utilizarla en el bienestar y estudio de su familia y cumplir con algunas metas familiares y seguir invirtiendo más en los cultivos. 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
  • 48
    View loans »
    Costa Rica Loans Fundraising
  • $4,673,875
    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 Rosa to plant and raise beans on her farm.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 10, 2013
Jul 2, 2013
Currency Exchange Loss:
Jul 17, 2015