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Ónix L. R. is 39 years old, married, and has two children who are his biggest priority. He wants to stock his business with more merchandise so that he has a wider range of products for his customers. He has been in this business for several years and he has a lot of experience. His business is going well which is why he wants to increase his merchandise and generate more sales for his family and his business’ well-being. He is also thinking of his children’s future and wants to be able to provide them with schooling so that they will be good professionals in a specific area.

This is the first loan that he has received from FUDECOSUR. He has not had other loans in public banks before, but FUDECOSUR has provided him with a loan with greater facilities and the interest rate is much lower than other loan institutions.

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Ónix L. R., tiene la edad de 39 años, está casado y tiene 2 hijos que es su mayor prioridad. El quiere abastecer de mayor mercadería su local y así tener una más amplia gama de productos para sus clientes. El tiene varios años que se ha dedico a esto, cuenta con mucha experiencia y le va bien en su negocio por lo cual quiere aumentar su mercadería y generar mayores ventas para su bienestar familiar y el de su negocio, el también piensa en el futuro de sus hijos y quiere poderles dar estudios para que en un futuro sean unos buenos profesionales en alguna área especifica.
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 más baja que los otros lugares de financiamiento.

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
  • 505.2
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Ónix to purchase groceries.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Nov 16, 2010
Nov 26, 2010
Currency Exchange Loss:
Jul 18, 2013