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Jose G. N. C. is 21 years old, in a common law marriage, and has a 6 month old daughter who is his highest priority. He grows beans on a local farm. Jose has free use of the land and enjoys growing his crops. He took out a loan with FUDECOSUR a year ago in order to grow chili peppers, but the crop was not successful. He believes beans are better suited for this land.

This is Jose’s second loan with FUDECOSUR and he prefers these loans because they have fewer requirements that those of formal banks. He hopes to provide his daughter with a better and more stable future so that she can grow up to become a professional.

View original language description ↓
Jose G. N. C. tiene 21 años, vive en union libre, y tiene 1 hija que es su primer prioridad. Su hija tiene 6 meses. El es un agricultor de frijoles en una finca acerca. El tiene campo libre y le gustaría comezar cultivando frijoles. El tuvo un prestamo con FUDECOSUR hace un año para cultivando chili pero no tuvo exito. El piense que frijoles serían un producto mejor con su tipo de tierra. Es su segundo prestamo con FUDECOSUR y prefiere los prestamos FUDECOSURes por que hay menos requistos que los bancos formales. él desea brindar a su hija un futuro mejor y estable y tambien que ella sería una profesional.

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
  • 6
    View loans »
    Costa Rica Loans Fundraising
  • $4,836,900
    Funds lent in using Kiva
  • 576.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $175 helped Jose purchase fertilizers for his crop of beans.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Oct 29, 2009
Oct 30, 2009
Currency Exchange Loss:
Jun 15, 2010