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Jordy Emanuel
Jordy is 18 years old, single, and lives with his parents and brothers who are his number one priority. With his loan he will try to get rid of the weeds and do some labor like making contour lines to prevent erosion. He is also going to buy fertilizer so that his lands make it to the next harvest in good condition and without the use of chemicals so that he can conserve the better properties of the soil and be able to replant coffee of the red Catuahí variety. In this way, he will plant a harvest of the highest quality and in the shorter term have a big enough field. Other than purchasing some seedbeds to plant he will also take advantage of the fertile soil and climate conditions and other factors that favor the cultivation of coffee. With improved harvests, he hopes to earn more and be able to improve his family's living conditions and also invest a little in his harvest and achieve some other goals. This is the first loan he is applying for with FUDECOSUR. He has not had any other loans from national banks, but FUDECOSUR has offered him a loan with better terms and much lower interest rates.
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Jordy, tiene la edad de 18 años, está soltero, vive con sus padres y hermanos que son su mayor prioridad. Con su crédito pretende hacer la eliminación de maleza y algunas labores culturales como curvas a nivel para evitar la erosión por el agua principalmente, además la compra de fertilizante para que la plantación llegue a la próxima cosecha en buenas condiciones y en forma manual para no utilizar químicos y así conservar mejor las propiedades del suelo y para realizar una resiembra 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. 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
  • 8
    View loans »
    Costa Rica Loans Fundraising
  • $4,836,900
    Funds lent in using Kiva
  • 498.8
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Jordy Emanuel harvest coffee beans.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Nov 13, 2012
Dec 7, 2012
Currency Exchange Loss:
Jan 17, 2016