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José Ramiro
José Ramiro is 20 years old and single. He lives with his parents and siblings, and they are his greatest priority. He plans to use his loan to buy fertilizers to get a good result with his coffee crop and to buy fungicides. He will also pay for the labor and care of the coffee. In addition, he will buy some plants that are well-developed and healthy for the seedling nursery in order to replant when the rains start.

His objective for doing so is to increase the density of plants in the area. He will also take advantage of the good, fertile soil, the climate, and other conditions that are favorable for growing coffee. With these crop improvements, he hopes to get a little profit and, in this way, improve his family’s living conditions. He will also invest a little more in the area that he cultivates and fulfill some goals.

This is the first loan he has received from FUDECOSUR. He has not had any previous loan with state banks. FUDECOSUR has offered him the loan with better terms and a much lower interest rate.
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José Ramiro, tiene la edad de 20 años, está soltero, vive con sus padres y hermanos que son su mayor prioridad. Con su crédito pretende hacer la compra de fertilizantes que le den un buen resultado en el cultivo de café, fungicidas y pagar mano de obra en trabajos de asistencia para el café, además de comprar algunas plantas con un buen desarrollo y sanidad 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 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

  • $12,900
    Average annual income
  • 57
    View loans »
    Costa Rica Loans Fundraising
  • $4,673,875
    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 José Ramiro to buy what he needs for his coffee crops.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 24, 2013
Jul 3, 2013
Currency Exchange Loss:
Jul 17, 2015