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Miriam is 45 years old and married. She currently lives with four children and one grandchild. With the loan, she plans to buy medicinal products for livestock. She wants to maintain her animals (livestock) in the best possible conditions, free of diseases, parasites and other problems which may affect the animals' health. Thus, she will be able to sell them and get ahead. She does not have the necessary capital for these purchases, since she has a low level of resources and does not have a way to acquire the necessary funds for this. Thus, she requested a loan, which is the first one she has received from FUDECOSUR. She has not had other loans before from state banks, but FUDECOSUR provided her the loan with better terms and a much lower interest rate.
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Miriam tiene 45 años de edad, está casada, vive con cuatro hijos y un nieto actualmente. Ella con el crédito pretende comprar productos medicinales para ganado. Ella desea mantener a sus animales (ganado), en la mejores condiciones posibles, y libres de enfermedades, paracitos, y otros, que puedan afectar la salud del animal, y así poder comercializarlos y salir adelante ella no cuenta con el capital necesario para dicha compra, ya que es de bajos recursos y no tiene como adquirir el dinero necesario para esto, por lo que el solicito un crédito, y es el primer préstamo que ha 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
  • 12
    View loans »
    Costa Rica Loans Fundraising
  • $4,723,875
    Funds lent in using Kiva
  • 499.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Miriam to purchase medicinal products for her livestock.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Nov 2, 2012
Nov 11, 2012
Currency Exchange Loss:
Nov 21, 2015