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Marlene is 47 years old, married, and lives with her husband and 3 children, who are her greatest priorities. With her loan, she will buy supplies such as fertilizer and necessary chemicals to support her coffee plantation. She counts on the farming under regular conditions and the harvest is about to finish, but she would like to help her following crop to have better yields than this year’s. With this help, she would like to double her earnings from next year’s crop and, in this way, support her family more each day and have greater financial stability in the future.

This is the first loan she has received from FUDECOSUR. She has not had any previous loans in state banks, but FUDECOSUR has been able to better facilitate a loan and the interest rate is much lower.
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Marlene, tiene la edad de 47 años, está casado, vive con su 3 hijos y su esposo que son su mayor prioridad. Ella con el crédito va comprar todos los insumos para asistir su cafetal como el abono y los químicos necesarios. Ella cuenta con el cultivo en condiciones regulares y ya la cosecha está por terminar, por lo cual es que lo asistirá para así la próxima cosecha aumentar producción que la de este año. Ella con esto quiere generar con la cosecha del próximo año el doble de las ganancias para así tener un bienestar familiar mejor cada día y un futuro económico más estable. 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
  • 1
    View loans »
    Costa Rica Loans Fundraising
  • $4,804,475
    Funds lent in using Kiva
  • 503.9
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Marlene support her coffee plantation to increase her crop yield.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jan 19, 2012
Feb 25, 2012
Currency Exchange Loss:
Nov 18, 2014