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Xinia is 46 years old, is married and lives with her husband and children, who are her top priority. With the loan, she expects to buy raw materials for the manufacture of cosmetics she prepares for resale. Currently, she works with some other partners.

She is currently producing products for a company that buys her products to sell in urban areas and larger markets. That's why she needs the loan, to buy more natural products to elaborate more cosmetics and increase the amount of production. She wants to produce more than normal and supply the buying market with her beauty products.

She wants to enter this market and strengthen her income with the profits generated by the increase of cosmetics. Doing so, she wants to give a better quality of life and a better family welfare to her children. Also, she expects to meet the payments of the loan with the profits, and at the same time, be grateful for the support to her life project.

It's the first loan she receives from FUDECOSUR. She hasn't had any other loans in state banks before, but FUDECOSUR gave her the loan with better facilities and an interest rate much lower.
View original language description ↓
Xinia, tiene la edad de 46 años, está casada, vive con su esposo y sus hijos que son su mayor prioridad. Ella con el crédito pretende comprar materia prima para la fabricación de cosméticos que ella elabora para su posterior venta. Actualmente ella trabaja con unas más compañeras más en común. Ella actualmente está generando productos para una empresa que les está comprando sus producciones para comercializarlas en zonas más urbanas y de mayor mercado. Por eso es que ella necesita del crédito para comprar más productos naturales para elaborar más cosméticos y aumentar la cantidad de producción de lo normal que se produce y abastecer al mercado comprante de sus productos de belleza. Ella quiere poder entrar en este mercado y fortalecer sus ingresos con las ganancias generadas por el aumento de los cosméticos y así poderle dar a sus hijos una mejor calidad de vida y un mejor bienestar familiar, al igual con las ganancias poder ir saliendo con los pagos de su crédito que solicita y a la vez agradecer por apoyarla en su proyecto de vida. 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
  • 3
    View loans »
    Costa Rica Loans Fundraising
  • $4,820,575
    Funds lent in using Kiva
  • 501.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Xinia to buy materials to manufacture cosmetics.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Aug 13, 2012
Sep 19, 2012
Currency Exchange Loss:
Sep 17, 2015