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Mirta Lilliam
Mirta Lilliam, 60, is married living alone. She intends to use her loan to buy fertilizer, fungicide and to pay labor costs for coffee crop chores and also to buy some seedlings for replanting. The goal is to increase her acreage under cultivation and take advantage of the soil’s fertility and weather and other conditions that favor coffee growing. She expects these improvements will result in higher profits to improve her living conditions and also be invest a bit more into her crops as well as to reach some personal goals.

This is her first FUDECOSUR loan. She’s had no previous loans with state banks and FUDECOSUR offered the best loan terms with a much lower interest rates.
View original language description ↓
Mirta Lilliam, tiene la edad de 60 años, está casada, vive sola. Con su crédito pretende hacer la compra de fertilizantes, fungicidas y pagar mano de obra en trabajos de asistencia para el café, además de comprar algunas plantas de almácigo para hacer resiembras, 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 y también invertir un poco más en el área de cultivo y también cumplir algunas metas personales. 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
  • 9
    View loans »
    Costa Rica Loans Fundraising
  • $4,502,650
    Funds lent in using Kiva
  • 503.7
    Costa Rica Colones (CRC) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,000 helped Mirta Lilliam to buy agricultural supplies.
63% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Sep 16, 2013
Oct 14, 2013
Currency Exchange Loss: