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Helman is 44 years old. He is married, and he lives with his children and his wife, who are his greatest priority. With his loan he intends to buy fertilizers and do some work that in the medium and longer term will improve the conditions of his land, as well as purchasing fertilizers and some fungicides, and in this way be assured of doing a good job. In addition he will be able to buy the best materials, do the work as soon as possible, and apply the fertilizers on time so that the harvest will be of good quality and abundant, and he will be able to do this before the crops mature. With the income that he can obtain, he intends to invest more and complete some family goals. This is the first loan that he will receive from FUDECOSUR. He has not had other loans from state banks, but Fudecosur has offered him the loan with better terms and a much lower interest rate.
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Helman, tiene la edad de 44 años, está casado, vive con sus hijos y esposa que son su mayor prioridad. Con su crédito pretende comprar fertilizantes y hacer algunas labores culturales que a mediano y largo plazo se mejore las condiciones del cultivo, también la compra de fertilizantes y algunos fungicidas y de esta manera asegurarse de realizar un buen trabajo. Además de poder comprar los mejores materiales y hacer los trabajos lo más pronto posible y aplicar los fertilizantes a tiempo para que la cosecha sea de buena calidad y abundante y hacer esto antes de que se madure la misma, con los ingresos que pueda obtener pretende invertir más y cumplir algunas metas familiares. 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
  • $4,780,050
    Funds lent in using Kiva
  • 494.1
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Helman to buy fertilizers and improve his land.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jul 25, 2012
Aug 27, 2012
Currency Exchange Loss:
Nov 18, 2013