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Yamileth is 46 years old, married, and lives with her husband who is her main priority. She will use the money from this loan to buy compost, and calcium to improve the soil so that the crop will develop well. She will also buy fungicides and pay for labor to help with her coffee crop. Finally, she will buy seedlings to replant and increase the density of her plants so that she can take advantage of the fertile soil, the climate, and other things that favor the raising of coffee. With these improvements to her crop, she expects to increase her income a bit and improve her family’s living conditions. She will also accomplish some goals.

This will be her first loan through FUDECOSUR. She has not had previous loans from state banks, but FUDECOSUR has granted a loan easily and at a much lower interest rate.
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Yamileth, tiene la edad de 46 años, está casada, vive con su esposo que es su mayor prioridad. Con su crédito pretende hacer la compra de fertilizantes orgánico y cal para mejorar las condiciones del suelo y que el cultivo tenga un buen desarrollo, 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
  • 3
    View loans »
    Costa Rica Loans Fundraising
  • $4,835,025
    Funds lent in using Kiva
  • 498.7
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Yamileth to buy coffee seedlings and supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Nov 17, 2012
Dec 14, 2012
Currency Exchange Loss:
Dec 19, 2013