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Rosibel, who is 29 years old, is married and lives with her husband and their 2 children, who are her first priority. With the loan, she is going purchase materials to improve their home. Her house is in average condition. She wants to make improvements so their home will be in better condition and a safer place for their belongings. She wants to to offer her children a home in better condition so they can feel calm while there and so the family can enjoy greater harmony and a dignified place to live. This is Rosibel's first loan with FUDECOSUR. She had never taken out a loan from a state bank, but FUDECOSUR offered her the loan with better terms and at a much lower interest rate.
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Rosibel, tiene la edad 29 de años, está casada y vive con sus 2 hijos y su esposo que son su mayor prioridad. Ella con el crédito va comprar los materiales para la mejora de su hogar. Ella cuenta con la vivienda en condiciones regulares por lo cual quiere realizarle mejoras para así optar por un hogar en condiciones mejorables y un mejor ambiente de seguridad de sus pertenencias. Ella quiere brindarles a sus hijos un hogar en mejores condiciones para su estadía en tranquilidad y ser cada día una familia con más armonía y un hogar digno para su vivencia. Es el primer préstamo que recibido de FUDECOSUR. Ella 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Costa Rica

  • $12,900
    Average annual income
  • 8
    View loans »
    Costa Rica Loans Fundraising
  • $4,836,900
    Funds lent in using Kiva
  • 517.0
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Rosibel to purchase materials.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 15, 2011
Oct 12, 2011
Currency Exchange Loss:
Oct 17, 2013