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Johan is in a common-law marriage and lives with his wife and children, who are his main priority. With this loan, he will buy supplies for his coffee plantations to improve his plants. He has a plantation in production, and last year it went very well but his coffee plants were left in bad condition, so he will invest in organic fertilizers to improve his crops. He hopes to be able to get a better harvest and generate earnings for the welfare of his family. This is the second loan that he has received from Fudecosur. He had not taken loans before from the state banks, but Fudecosur provided him with a loan with better payment terms and a much lower interest rate.
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Johan, está en unión libre y vive con su esposa e hijos que son su mayor prioridad. El con el crédito va comprar los insumos para la asistencia de su cafetal y mejorar su plantación. El cuenta con una plantación en producción y el año pasado le fue muy bien pero su café quedo en un mal estado, por lo cual invertirá en abonos para mejorar su plantación. El espera poder sacar una mejor cosecha y generar ganancias para el bienestar de su familia. Es el segundo 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 Costa Rica

  • $12,900
    Average annual income
  • 37
    View loans »
    Costa Rica Loans Fundraising
  • $4,438,125
    Funds lent in using Kiva
  • 501.4
    Costa Rica Colones (CRC) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $600 helped Johan to care for his coffee plants.
33% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Aug 23, 2013
Sep 20, 2013
Currency Exchange Loss: