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Carlos Rafael
Carlos is 28 years old and is married. His relationship with his wife is his highest priority. With this loan he intends to buy fertilizer and beans to plant. He also needs to pay laborers to help him plant the seed; in this manner he will be sure to do a good job.

He intends to take advantage of the good climate and soil and also put into practice his basic experience in farm management. Also, he will be able to buy better products of higher quality for his farm so that he can maintain the health of the farm and get a good harvest in the short term.

This is his first loan from FUDECOSUR. He has not taken other loans from state banks, but FUDECOSUR has enabled him to more easily obtain this loan and has given him a much lower interest rate.
View original language description ↓
Carlos, tiene la edad de 28 años, está casado, vive con su esposa que es su mayor prioridad. Él con su crédito pretende hacer la compra de fertilizantes, semilla de frijol y pagar mano de obra para la siembra y asistencia de la plantación, y de esta manera asegurarse de realizar un buen trabajo. Lo que pretende es aprovechar las buenas condiciones de clima y suelo que cuenta para este cultivo, y también poner en práctica la experiencia en el manejo de granos básicos. Además de poder comprar los mejores productos y de mejor calidad para que su plantación tenga un buen desarrollo y sanidad, y tener a corto plazo una producción adecuada. Es el primer préstamo que recibido de FUDECOSUR. Él 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
  • $4,783,625
    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 Carlos Rafael to buy beans for planting.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Apr 9, 2012
May 6, 2012
Currency Exchange Loss:
Dec 15, 2012