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Cliceria is 22-years old. She lives with her husband, who is her first priority. With her loan, Cliceria plans to purchase fertilizers and fungicides and to pay for laborers who help with the coffee crop. In addition, she will purchase some copperwood plants to replant with the rains start. She wants to have an increased plant density in place to take advantage of the soil's good fertility and the favorable climate conditions. With these improvements to her fields, Cliceria hopes to earn a bit more and thereby improve her family's quality of life. She also hopes to invest a little more in her crop and meet some goals. This is Cliceria's first loan with FUDECOSUR. She hasn't ever taken out loans with the state banks, but FUDECOSUR offered her a loan with better terms and a much lower interest rate.
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Cliceria, tiene la edad de 22 años, está en unión libre, vive con su esposo que es su mayor prioridad. Con su crédito pretende hacer la compra de fertilizantes, fungicidas y pagar mano de otra en trabajos de asistencia para el café, además de comprar algunas plantas de almácigo para hacer resiembras a inicio de lluvias esto con el objetivo de 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. 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
  • 3
    View loans »
    Costa Rica Loans Fundraising
  • $4,820,575
    Funds lent in using Kiva
  • 499.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Gliceria with coffee farming.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 13, 2013
Apr 30, 2013
Currency Exchange Loss:
Sep 17, 2015