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Victor Manuel
Victor is 70 years old. He is married but lives alone at this time. With the loan he intends on buying medicinal products for cattle. He wants to help them with special products for this type of animal to keep them free of illnesses, parasites and others that can affect the health of the animal. Later he can sell them to get ahead, since he depends financially on this activity. He doesn't have the capital he needs to buy these things since he is of low income and doesn't have the money. That is why he is asking for a loan. This is the first loan he has received from FUDECOSUR. He hasn't had other loans before from state banks, but FUDECOSUR has offered him the loan with easier payments and a much lower rate of interest.
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Victor tiene 70 años de edad, está casado, vive solo actualmente. El con el crédito pretende comprar productos medicinales para ganado. El desea darles asistensia por medio de productos especiales para este tipo de animal, para mantenerlos libres de enfermedades, paracitos, y otros, que puedan afectar la salud del animal, y asi luego poder ser comercializarlos, para salir adelante, ya que esta actividad económica depende. El 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
  • 0
    View loans »
    Costa Rica Loans Fundraising
  • $4,783,625
    Funds lent in using Kiva
  • 499.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Victor Manuel to help his cattle.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Nov 2, 2012
Nov 11, 2012
Currency Exchange Loss:
Oct 17, 2015