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Silvia is 28 years old, married, and lives with her husband. The loan that she requires is to buy wood and other materials to make bee hives for her honey business. She wishes to increase the number of hives and honey production so that her income also increases. Sra. Silvia and her husband have worked for many years in apiculture.

Her hope for the future is to provide her family with a better standard of living and greater economic stability.

This is Silvia’s first loan with FUDECOSUR. She has not had any previous loans with state banks, but FUDECOSUR provided her with a simple payment schedule and much lower interest rates.
View original language description ↓
Silvia tiene la edad de 28 años, está casada y vive con el esposo. El crédito lo quiere para la compra de cerras y madera para hacer casas para las abejas, para su reproducción de miel. Ella desea aumentar las casas de abejas, y con ello aumentar la producción de miel y a si mismo los ingresos. Doña Silvia trabaja desde hace muchos años con su esposo en esta área de apicultura. Ella espera en un futuro brindarle a su familia una mejor calidad de vida y una mayor estabilidad económica. Es el primer préstamo que 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
  • 3
    View loans »
    Costa Rica Loans Fundraising
  • $4,816,325
    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 Silvia buy wood and other materials to make bee hives.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Mar 7, 2013
Apr 5, 2013
Currency Exchange Loss:
Sep 17, 2014