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Deiner R. Fernández, 30 years of age, is married and has 1 son who is his main priority along with his wife. He wants to buy materials for the creation of new greenhouses in order to have more growing and production space. He relies on much experience and, with locations already in production, he wants to grow and continue growing. With this loan the wants to improve his income and to continue working in his own business and thus to have a better quality of life for himself, his wife and their son. He thinks about the future of his son and wants to be able to give him an education so that he can become a professional in the future. Also he want to continue growing in the business of hydroponics and to be an example of achievement for other people. This is the first loan that that he has received from FUDECOSUR. He has not had other loans before with the state banks, but FUDECOSUR has offered him a loan with greater facilities and a much lower interest rate.
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Deiner R. Fernández, tiene la edad de 30 años, está casado y tiene 1 hijo que es su mayor prioridad al igual que su esposa. El quiere comprar materiales para la creación de nuevos invernaderos para poder crecer en mas producción y espacios, el cuenta con mucha experiencia y con locales en producción ya, lo cual quiere es aumentar y seguir creciendo. Con ésta opción el quiere mejorar sus ingresos y seguir trabajando en su propio negocio y así tener una mejor calidad de vida tanto él como su esposa y su hijo. El piensa en el futuro de su hijo y poderle dar estudios para que en un futuro sea un buen profesional.Tambien el quiere ir creciendo en el negocio de hidroponia y ser ejemplo de superarcion a otras personas.
Es el primer préstamo que recibido de FUDECOSUR. El 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 mas bajas.

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
  • 0
    View loans »
    Costa Rica Loans Fundraising
  • $4,783,625
    Funds lent in using Kiva
  • 504.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Deiner to buy materials for a hydroponic greenhouse.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 27, 2010
Nov 25, 2010
Currency Exchange Loss:
Jun 15, 2012