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Ramón, 39, is married, and currently lives with his wife and children, who are his greatest priority. With the loan he will buy materials such as wire for improving his cattle farm, and agricultural supplies for his pastures. He has a farm planted with grass for raising cattle.

At the present time he needs to make some improvements to his fences and pastures, so he decided to take out the loan. He needs to provide his animals with good quality grazing, and at the same time he needs good fences to prevent his cattle from straying onto other farms.

His goal is to use this assistance to take better care of his cattle in order to have them in better condition for sale, and so get greater profits to improve his financial situation and his family's well-being.

This is his first loan with Fudecosur. He has not had other loans from regular banks before, but Fudecosur has offered him a loan on better terms, and at a much lower interest rate.
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Ramón, tiene la edad de 39 años, está casado y vive actualmente con sus hijos y su esposa que son su mayor prioridad. El con el crédito va comprar materiales como alambre para la mejora de su finca de ganado e insumos para sus pastos. El cuenta con una finca sembrada de pasto para el cuido del ganado, actualmente necesita hacerle unas mejoras en cercas y pastos por lo cual opto por el crédito. El necesita darle a sus animales una buena calidad de pastos y a su vez buenas cercas para evitar la salida del ganado a otras fincas. El tienen como meta con estas asistencias darle mejor cuido al ganado para así poder tenerlo en buenas condiciones para la venta y así obtener el mayor de las ganancias para mejorar su nivel económico y su bienestar familiar. 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 Costa Rica

  • $12,900
    Average annual income
  • 3
    View loans »
    Costa Rica Loans Fundraising
  • $4,820,575
    Funds lent in using Kiva
  • 507.6
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Ramon to maintain his cattle farm.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Oct 15, 2011
Nov 14, 2011
Currency Exchange Loss:
Oct 17, 2013