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Natalia Milena
Natalia Milena is 20 years old. She is single and lives with her parents and siblings, who are her greatest priority. With this loan, Natalia plans to buy wood, materials, and labor to repair their home. She hopes to be able to air-condition an adequate space to sleep, and also to improve her family’s living conditions. With this purchase, Natalia plans to improve the quality of her house so that all of her family has a little more space and a higher quality of life. She wants to take advantage of low prices on some high quality materials. This is the first loan Natalia has received from FUDECOSUR. She has not had other loans from state banks before, but FUDECOSUR has offered her a loan with greater support and much lower interest rates.
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Natalia Milena, tiene la edad de 20 años, está soltera, vive con sus padres y hermanos, los cuales son mayor prioridad. Con su crédito pretende hacer la compra de madera y materiales y pagar mano de obra en la reparación a la vivienda, y de esta manera poder acondicionar en espacio adecuado para poder dormir y mejorar sus condiciones de vida. Con esta compra pretende hacer una mejora de buena calidad en su casa y que toda su familia tengan un poco más de espacio y mejoré su calidad de vida y aprovechar precios bajos en algunos materiales y que son de buena calidad. Es el primer préstamo que recibido de FUDECOSUR. El 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Costa Rica

  • $12,900
    Average annual income
  • 24
    View loans »
    Costa Rica Loans Fundraising
  • $4,365,675
    Funds lent in using Kiva
  • 502.4
    Costa Rica Colones (CRC) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $400 helped Natalia Milena to make improvements to her home.
43% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 15, 2013
Jul 3, 2013
Currency Exchange Loss: