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Teresa, 52, is married living with her husband and three children. She intends to use the loan to buy a dairy cow. She already owns two and wants to strengthen the business. She plans to buy the cow to increase production of such things as custard, milk and cheese to then sell in the local market and in surrounding places thus increasing business and attaining better quality of life and economic stability.

This is the first loan she’s gotten from Fudecosur. She’s had no previous loans with state banks and Fudecosur gave her the best loan terms and a much lower interest rate.
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Teresa, tiene la edad de 52 años, está casada, vive con el esposo y tres hijos. Ella con el crédito pretende comprar una vaca de leche, ella cuenta ya con dos en su poder y quiere reforzar el negocio. Ella tiene pensado comprar esta vaca para aumentar los productos como la natilla y leche y queso para su posterior venta en el mercado local y lugares aledaños y con ello crecer en el negocio y obtener una mejor calidad de vida y una estabilidad económica. 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
  • 11
    View loans »
    Costa Rica Loans Fundraising
  • $4,836,900
    Funds lent in using Kiva
  • 498.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Tereza to buy a dairy cow.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Aug 6, 2012
Sep 12, 2012
Currency Exchange Loss:
Feb 26, 2015