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Gilberto is 45 years old and married. He lives with his wife and his daughters, who are his greatest priority. With the loan, he plans to buy supplies to support his coffee plantings. He will buy the fertilizers and products to apply to the plants. He has a crop which he needs to improve so that he can get the maximum earnings out of the next harvest which is approaching. His goal is to stabilize his economic situation, so that he can give his family a better quality of life with a better outlook for the future. This is the first loan he has received from FUDECOSUR. He has not had other loans from state banks in the past, but FUDECOSUR provided the loan to him with better terms and a much lower interest rate.
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Gilberto, tiene la edad de 45 años, está casado, vive con su esposa y sus hijas que son su mayor prioridad. El con el crédito pretende comprar los insumos para la asistencia de su cafetal, el comprara los abonos y productos para aplicarle a las plantas. El tiene una siembra que necesita mejorarla para esta próxima cosecha que se avecina poderle sacar el máximo de ganancias. El tiene como meta estabilizar su economía, para poderle dar a su familia una mejor calidad de vida con mayores facilidades para el futuro. 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 Costa Rica

  • $12,900
    Average annual income
  • 7
    View loans »
    Costa Rica Loans Fundraising
  • $4,836,900
    Funds lent in using Kiva
  • 512.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Gilberto to improve his coffee crop.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jan 1, 2013
Jan 2, 2013
Currency Exchange Loss:
Feb 17, 2014