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Carmen is 48 years old, is married, and lives with her husband and three children. With this loan, she intends to purchase supplies such as fertilizers, pesticides, and help with labor. She plans to maintain her crops so that they do not suffer harm or lose productivity, and therefore generate more revenue from her coffee project to contribute to her family.

Since she is of few resources, she does not have the necessary capital for the purchase or the labor contracts, and does not have the means to acquire the money needed. For these reasons, she has requested this loan, the first loan she has received from FUDECOSUR. Prior to this, she had never had another loan from a national bank, but FUDECOSUR has given her loan with great ease and a very low interest rate.
View original language description ↓
Carmen tiene 48 años de edad, esta casada y vive con el esposo y tres hijos actualmente. Ella con crédito pretende comprar insumos como abonos, fumigantes, y a su vez ayudarse con la mano de obra. Ella piensa dar mantenimiento a las plantaciones, para que este no sufra ningún daño, y no se pierda la producción, y así con su proyecto cafetalero poder generar más ganancias para contribuir con su familia, ella no cuenta con el capital necesario para dicha compra, ni dichos contratos, ya que es de bajos recursos y no tiene como adquirir el dinero necesario para esto, por lo que el solicito un crédito, y es el primer préstamo que ha recibido de FUDECOSUR. Ella 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
  • 499.4
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Carmen to purchase supplies and pay for labor.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Feb 24, 2013
Mar 25, 2013
Currency Exchange Loss:
Apr 17, 2016