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Marjorie, age 47, is married and lives with her children, who are her priority. With the loan she plans to repair part of her house to avoid damage and make it more safe. She wants to take advantage of the sales that are offered by the retailers during this end of year sales that are of good quality. With the renovations that she hopes to make she wants to avoid any damage to her belongings and have more savings to improve the well-being of her family and spend this December with more tranquility and start 2013 with the best life conditions and optimism. This is the first loan with Fudecosur. She's never had credits with state banks before, but Fudecosur has provided her with the loan with more facilities and at much lower interest rate.
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Marjorie, tiene la edad de 47 años, está en casada, vive con sus hijos, los cuales son su mayor prioridad. Con su crédito pretende hacer la reparación en una parte de la casa para evitar que el deterioro y darle un poco de más seguridad. Lo que pretende es aprovechar las ofertas que brinda el comercio en estas tiempos de fin de año y que son de buena calidad. Con las mejoras que pretende hacer quiere evitar el deterioro de pertenencias y así tener un poco de ahorro para el mejor bienestar de su familia y pasar este Diciembre con más tranquilidad y comenzar el 2013 con mejores condiciones de vida y positivismo. Es el primer préstamo que recibido de FUDECOSUR. 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
  • 8
    View loans »
    Costa Rica Loans Fundraising
  • $4,836,900
    Funds lent in using Kiva
  • 509.4
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Marjorie to make home renovations.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Dec 4, 2012
Jan 1, 2013
Currency Exchange Loss:
Nov 29, 2014