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Ramón J. C. is 38 years old. He is married and lives with his wife and their three children ages 15, 11 and 9, who are his first priority. He is requesting this loan to help with his farm, specifically the cultivation of coffee—he intends to buy manure and fertilizer. He hopes to properly maintain his coffee crop in order to achieve better quality and to obtain the greatest possible income at harvest time. This is the first time he has taken out a loan with FUDECOSUR, and he is very happy with the opportunities they offer. Ramon has worked in agriculture for many years. He hopes in the future to provide his family with a better quality of life and greater economic stability, and to be able to keep growing as a person and a farmer.
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Ramón J. C., tiene la edad de 38 años, está casado, y vive con su esposa y sus 3 hijos de 15, 11 y 9 años de edad, y son su mayor prioridad. El crédito lo quiere para asistir su finca, específicamente para el cultivo de café, la idea es comprar el abono y el fertilizante. Desea darle el adecuado mantenimiento al cultivo de café para lograr una mejor calidad y para obtener el mayor ingreso posible cuando sea tiempo de cosecha. Es la primera vez que realiza un crédito con FUDECOSUR y está muy contento con las facilidades que se le brindaron. Don Ramón también trabaja desde hace muchos años en la agricultura. El espera en un futuro brindarle a su familia una mejor calidad de vida y una mayor estabilidad económica, y de poder seguir creciendo como persona y como productor.

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
  • 10
    View loans »
    Costa Rica Loans Fundraising
  • $4,836,900
    Funds lent in using Kiva
  • 509.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Ramón coffee growing.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 19, 2010
Jun 1, 2010
Currency Exchange Loss:
Nov 16, 2011