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Jose Paciente
José is 76 years old, married, and lives with his wife who is now his main concern. With the loan he plans to buy materials to improve his cattle farm. He wishes to improve the enclosures and the grazing land so the animals have better quality food. He has some vacant land but he wants to improve its quality.

From these improvements José expects to get better results and generate more income in a short period of time. He is thinking of the future of both his wife and himself.

José has not had loans from state banks in the past, but FUDECOSUR has offered him a loan with good repayment conditions and a much lower interest rate.
View original language description ↓
José Paciente, tiene la edad 76 de años, está casada y vive con su esposa actualmente que es su mayor prioridad. El con el crédito va comprar los materiales para hacerle mejoras a su finca de ganado. El con el crédito va hacer la mejora de las cercas y los repastos para ofrecerles a sus animales mejor calidad de pastos para su bienestar. El cuenta con los potreros pero quiere mejorarlos en condiciones. El quiere obtener de estas mejoras los mejores resultados y así generar la mayor cantidad de ganancias al poder darle a sus animales mejores pastos y el obtener los resultados esperados a un plazo más rápido. El piensa en el futuro de ambos por lo cual hará estas mejoras. Es el primer préstamo que ha 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
  • $4,820,575
    Funds lent in using Kiva
  • 510.6
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Jose Paciente to improve his cattle farm.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 30, 2011
Sep 29, 2011
Currency Exchange Loss:
Jun 18, 2013