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Oscar is 44 years old, married, and lives with his children and wife who are his highest priority. With his credit he intends to purchase shade providing material ("sarán") and supplies to make a cover for his coffee nursery. This will protect the nursery from the sun's rays so that the seedlings will survive the summer. Besides being able to have good quality seedlings to plant and increase the density of plants in the area, he will be able to take advantage of the soil's fertility, the region's good climatic conditions, and other factors that favor the cultivation of coffee.

With these improvements to his cultivation, he hopes to obtain a little bit of profit, which he will use to improve his family's quality of life, invest in his work, and achieve some goals.

This is the first loan Oscar will receive from Fundecosur. He hasn't had loans with state banks before, but Fundecosur has provided this loan with better facilities and a lower interest rate.
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Oscar, tiene la edad de 44 años, está casado, vive con sus hijos y esposa que son su mayor prioridad. Con su crédito pretende hacer la compra de sarán y materiales para realizar una tapo al almácigo de café y de esta manera protegerlo lo más que se pueda de los rayos del sol y así sobreviva al verano. Además de poder tener unas plantas de almácigo de buena calidad para la siembra 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
  • 8
    View loans »
    Costa Rica Loans Fundraising
  • $4,836,900
    Funds lent in using Kiva
  • 498.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Oscar to improve his coffee nursery.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Nov 26, 2012
Dec 17, 2012
Currency Exchange Loss:
Dec 19, 2013