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Emilce is 57 years old, married, and lives with her husband and adult son. She plans to use the money from this loan to prepare her land by clearing the weeds and do some other work to prevent erosion. The ground has a broken topography and she does not want to use chemicals in order to better preserve the land so that she can grow a Red Catuahí variety of coffee on it. In this way she can have a good quality crop and have a good plantation. She will also buy fertilizer and pay for labor.

Aside from being able to buy some plants, and fertilize the soil, the climate and other things will help produce a good crop. She hopes to obtain some gains and improve her family’s living conditions and invest a little more in the crop and meet some goals.

This will be her first loan through FUDECOSUR. She has not had any previous loans from other banks, but FUDECOSUR has provided a loan with great ease and a much lower interest rate.
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Emilce, tiene la edad de 57 años, está casada, vive con su hijo y esposo que son su mayor prioridad. Con su crédito pretende hacer la preparación del terreno como eliminación de maleza y algunas labores culturales como curvas a nivel para evitar la erosión por el agua principalmente ya que el suelo tiene una topografía quebrada y en forma manual para no utilizar químicos y así conservar mejor las propiedades del suelo y para realizar la siembra de café de la variedad Catuahí rojo, de esta manera espera sembrar un cultivo de buena calidad y que a mediano plazo tener una plantación adecuada. También la compra de fertilizantes y pagar mano de otra en trabajos. Además de poder comprar unas plantas de almácigo para realizar siembra, 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
  • 0
    View loans »
    Costa Rica Loans Fundraising
  • $4,780,050
    Funds lent in using Kiva
  • 498.8
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Emilce to plant coffee.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Nov 13, 2012
Dec 7, 2012
Currency Exchange Loss:
Jan 17, 2016