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Francisco is a 76-year old married man that lives with his wife, who is his biggest priority. He plans to use the requested loan to buy fertilizers for the summer season so that the land will remain in good condition, and to hire someone to help with the coffee plantation. He also wants to buy copperwood seeds to cultivate with an aim to increase the plants' density by area and to seize the good fertility of the land and the favorable weather conditions for cultivating coffee. Thanks to these improvements, he expects to obtain some earnings and improve the life conditions of his family. He also wants to invest some more in the land and to pursue some personal goals.

This is his first loan from FUDECOSUR. He hasn't had any other loans before with national banks, but FUDECOSUR has offered this loan with better conditions and a much lower interest rate.
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Francisco, tiene la edad de 76 años, está casado, vive con su esposa que es su mayor prioridad. Con su crédito pretende hacer la compra de de productos foliares para aplicarle en el periodo de verano y que durante seste tiempo permanezcan en una buena condición además de 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 personales. 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
  • 500.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Francisco to make improvements to his coffee plantation.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 17, 2012
Jan 6, 2013
Currency Exchange Loss:
Aug 17, 2014