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Karen is 20 years old and is in a common-law marriage. She lives with her son and her husband.

Karen wants to use the loan to purchase cosmetics that she can sell. She plans to buy a wide range of cosmetics so she can increase her turnover. She wants to sell her products for a good price at the local market, to run her business competently, and to earn higher profits so can achieve a better quality of life and a stable economic situation for herself and her family.

This is Karen’s first loan with FUDECOSUR. She has not had any previous loans with government-run banks, but the loan FUDECOSUR is offering her has better terms and a much lower interest rate.
View original language description ↓
Karen, tiene la edad de 20 años, está en unión libre, vive con su hijo y su esposo actualmente. Ella con el crédito pretende comprar cosméticos para su posterior venta. Ella tiene pensado comprar mucha variedad de cosméticos para tener una mejor rotación, ella quiere venderla a un excelente precio al mercado de la localidad y para hacer competente y poder obtener más ganancias para obtener una mejor calidad de vida y una estabilidad económica de ella y su familia. 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
  • 0
    View loans »
    Costa Rica Loans Fundraising
  • $4,789,625
    Funds lent in using Kiva
  • 503.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Karen to purchase cosmetics to sell.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Mar 20, 2012
Apr 17, 2012
Currency Exchange Loss:
Sep 17, 2013