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Andrés M. F. is 19 years old, single and lives with his mother and 5 siblings. His family has a farm and then grow coffee and maintain a pasture. The whole family works on the farm and his mother has a grocery story. Now they are not using the pasture, so he wants a loan to grow and improve the land. The cows are for meat and he wants to continue to buy and sell cows to support his siblings and his 9 nieces and nephews. This is his first loan with FUDECOSUR, but his mother has had another loan from the same institution for her grocery store. Andrés' sister is the secretary of the commission and appears in the photo.
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Andrés M. F. tiene 19 años, soltero, y vive con su madre y 5 hermanos. Su familia tiene una finca y ellos cultivan cafe y matienen pasto. Todo la familia trabaja en la finca y su madre tiene una pulpería. Ahora ellos no estan usando el pasto entonces él quiere un prestamo para crecer y mejorar la finca. Las vaccas son para carne y quisiera a continuar comprando y vendiendo vaccas para apoyar sus hermanos y los 9 hijos de sus hermanos. Es su primer prestamo con FUDECOSUR pero su madre ha tenido un otro prestamo de FUDECOSUR para la pulpería. La hermana de Andrés es la sectretaría del comité y esta aparecido en la foto.

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
  • 3
    View loans »
    Costa Rica Loans Fundraising
  • $4,820,575
    Funds lent in using Kiva
  • 574.0
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Andrés to buy 4 cattle.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Oct 19, 2009
Oct 21, 2009
Currency Exchange Loss:
Nov 15, 2012