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Mariana is 36 years old. She is married and lives with her children and her husband, who are her greatest priority. With her loan she intends to purchase wood, paint, and other materials that she needs and also pay for labor to repair her house, and in this way she will be sure of having the work done well. What she wants is to be able to buy the best materials and take advantage of the bargains that appear at this time and which are of good quality, so that her house will remain in good condition and thus [the loan] will improve their quality of life. With the improvements in her house, she hopes to have a more suitable place to live and an appropriate environment for the development of her children and to have more liquidity to be able to pay for their schooling, and thus they can have a better quality of life. This is her first loan from FUDECOSUR. She has not had other loans in the past from state banks, but FUDECOSUR has offered her the loan with better terms and a much lower interest rate.
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Mariana, tiene la edad de 36 años, está casada, vive con sus hijos y esposo que son su mayor prioridad. Con su crédito pretende hacer la compra de madera, pintura y otros materiales que requiere y además pagar mano de obra para la reparación de su casa, y de esta manera asegurarse de realizar un buen trabajo. Lo que quiere es poder comprar los mejores materiales y aprovechar las ofertas que se presentan en estos días y que sean de buena calidad para que su casa quede en buen estado y así mejorar su calidad de vida. Con las mejoras a su vivienda espera tener un lugar más adecuado donde vivir un ambiente adecuado para el desarrollo de sus hijos y tener más liquidez para poder pagar sus estudiar y así puedan tener una mejor calidad de vida. Es el primer préstamo que recibido de FUDECOSUR. El 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Costa Rica

  • $12,900
    Average annual income
  • 11
    View loans »
    Costa Rica Loans Fundraising
  • $4,722,350
    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 Mariana to improve her house.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Nov 13, 2012
Dec 10, 2012
Currency Exchange Loss:
Dec 17, 2015