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Shirley is 35 years old and married. She lives with her husband and daughter. Her family is her priority in life. With this loan she will buy fertilizer, fungicides and workers to help with her coffee plants before the harvest begins She will also buy some seedlings in order to start new plants. She needs to do this as soon as possible as she needs sufficient rain. She would like to increase the number of plants she has in an area in order to take advantage of the fertile soil, the climate and other things that help the coffee grow. With these improvements to her coffee plantation, she hopes to earn a bit of money and improve the conditions of her family. She would like to invest a little more in her plantation and also meet her goals. This is her first loan from FUDECOSUR. She has not had other loans from the state banks. FUDECOSUR has offered good terms for loans and much lower interest rates.
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Shirley, tiene la edad de 35 años, está casada, vive con su hija y esposo que son su mayor prioridad. Con su crédito pretende hacer la compra de fertilizantes, fungicidas y pagar mano de obra en trabajos de asistencia para el café antes de que inicie la maduración de la cosecha, además de comprar algunas plantas de almácigo para hacer resiembras lo más antes posible para que tengan el tiempo suficiente de lluvia y 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. Ella 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
  • 10
    View loans »
    Costa Rica Loans Fundraising
  • $4,494,350
    Funds lent in using Kiva
  • 501.6
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Silenia to buy fertilizer, workers and fungicide for the coffee plantation.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Aug 13, 2013
Aug 27, 2013
Currency Exchange Loss:
Apr 22, 2014