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Jose Francisco
José Francisco R. L. is 25 years old, married, and lives with his wife and son who are his highest priorities. He intends to use this loan to buy seeds for planting and supplies that he will need later to maintain his crops. José has experience producing this type of crop and suitable land to be used for this purpose. He wants to generate income for the welfare of himself and his family so that they can have a better quality of life and a better future.

This is the first loan he has received from FUDECOSUR. José has not had any previous loans with the state banks. FUDECOSUR is providing this loan with better terms and a lower interest rate.

View original language description ↓
José Francisco R. L., tiene la edad de 25 años, está casado y vive con su hijo y su esposa que son sus mayores prioridades. El lo que pretende con el préstamo es comprar la semilla para su siembra y luego sus insumos para su posterior asistencia. El cuenta con la experiencia en la producción de este cultivo y con el terreno apto para su explotación por lo cual es que invertirá. El quiere generar ganancias para su bienestar y la de su familia y así poderles dar una mejor calidad de vida a futuro. 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.

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
  • $4,816,325
    Funds lent in using Kiva
  • 496.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Jose Francisco to purchase seeds and supplies for growing beans.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 17, 2011
May 3, 2011
Currency Exchange Loss:
Aug 15, 2011