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Dunia is 27 years old and is married. She lives with her children and husband, who are her main priority. With this loan, she plans to purchase fertilizers and fungicides, and to pay for labor to help with her coffee crops. In addition, she will buy some coffee seedlings to replant and expand the density of her plantings per area; this way she can take advantage of the good fertility of the soil and the climatic and other conditions that favor the cultivation of coffee.

With these improvements, she hopes to increase her earnings a bit, thereby improving living conditions for her family. She also hopes to invest more to expand the area of her cultivations, and to achieve some other goals. This is the first loan that she has received from FUDECOSUR. She had not taken prior loans with the state banks, but FUDECOSUR has provided her with a loan with easier terms and a much lower rate of interest.
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Dunia, tiene la edad de 27 años, está casada, vive con sus hijos y esposo que son su mayor prioridad. Con su crédito pretende hacer la compra de fertilizantes, fungicidas y pagar mano de otra en trabajos de asistencia para el café. Además de poder comprar unas plantas de almácigo para realizar resiembras y así aumentar la densidad de plantas por área, además de aprovechar la buena fertilidad del suelo y las condiciones de clima y otras que favorecen al cultivo de café. Con estas mejoras al cultivo espera obtener un poco de ganancias y así mejorar las condiciones de vida de su familia y también invertir un poco más en el área de cultivo y también cumplir algunas metas. 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
  • 1
    View loans »
    Costa Rica Loans Fundraising
  • $4,810,400
    Funds lent in using Kiva
  • 499.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Dunia to grow more coffee.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Oct 24, 2012
Nov 18, 2012
Currency Exchange Loss:
Nov 20, 2015