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Bernall C. A. is 47 years old and is married with six children who are his first priority. They are ages 26, 24, 24, 20, 17, and 5 respectively, and three of them still live at home. He is requesting a loan so that he can buy fertilizer and pay for farm help. He has his own farm where he grows coffee and tends cattle with the help of his family. This loan will allow him to continue growing coffee without having to sell off his cattle assets to pay for the fertilizers needed. This is his first loan with Fudecosur, and he is excited to have a village bank in his community, as he never had other sources of credit available to him. He hopes that his children remain healthy and receive the education they deserve.

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
  • 7
    View loans »
    Costa Rica Loans Fundraising
  • $4,715,325
    Funds lent in using Kiva
  • 567.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Bernall to purchase fertilizer and pay for farm help.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Oct 16, 2009
Oct 26, 2009
Currency Exchange Loss:
Sep 17, 2011