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Carlos is 38 years old, married, and lives with his three children and his wife, who are his main priority. He plans to use this loan to sow a bed of coffee that he owns and to buy the fertilizers he needs for his plants to grow. He has suitable land for planting this crop and would like to sow all his land with coffee in order to increase the amount of land he has under production. He has the experience he needs to carry out the project in which he will invest. Carlos' goal is to be able to sow this new coffee crop so that he can achieve a bigger harvest next year and thereby continue improving his financial stability and his family's well-being.

This is the first loan that Carlos has received from FUDECOSUR. He has not received previous loans from state banks but FUDECOSUR have given him this loan with better terms and a much lower interest rate.
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Carlos, tiene la edad de 38 años, está en casado y vive con sus 3 hijos y su esposa que son su mayor prioridad. El con el crédito pretende sembrar un almacigo de café que posee y comprarle los abonos necesarios para el crecimiento. El cuenta con una propiedad acta para la plantación de este cultivo y quiere sembrar todo el terreno de café para aumentar el terreno en producción. El tiene la experiencia necesaria para llevar acaba el proyecto por lo cual invertirá. El tiene como meta poder tener ese cultivo nuevo de café produciendo para así generar más cosecha para el próximo año y cada vez así ir generando una mejor estabilidad económica y bienestar familiar. 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
  • $4,820,575
    Funds lent in using Kiva
  • 497.9
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Carlos to buy supplies for his new coffee plantings.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Nov 4, 2011
Dec 5, 2011
Currency Exchange Loss:
Dec 17, 2014