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Karoly Vanessa
Karoly Vanessa is 21-years old, single and lives with her siblings and parents, who are her first priority. With the loan, Karoly Vanessa plans to purchase seeds to improve the shade for her coffee plants and to do do some soil conservation. She will also purchase a variety of copperwood that gives a good yield and pay laborers who help with the coffee crops. In addition, she wants to replant at the beginning of the rainy reason with the goal of increasing the plant density and taking advantage of both the good soil fertility and climate conditions that are favorable for coffee plants. With these improvements to her crops, Karoly Vanessa hopes to earn a bit more and thereby improve her family's quality of life. She also hopes to invest a bit in her crops and meet some goals. This is the first loan that Karoly Vanessa has received from FUDECOSUR. She has not previously received any loans from state banks, but FUDECOSUR has offered her the loan with better terms and at a much lower interest rate.
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Karoly Vanessa, tiene la edad de 21 años, está soltera, vive con sus hermanos y padres que son su mayor prioridad. Con su crédito pretende hacer la compra de semilla para mejorar la sombra del café hacer trabajos de conservación de suelos y almácigo de una variedad que dé un buen rendimiento, además pagar mano de otra en trabajos de asistencia para el café, y así hacer una resiembra 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
  • 0
    View loans »
    Costa Rica Loans Fundraising
  • $4,783,625
    Funds lent in using Kiva
  • 499.5
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Karoly Vanessa with coffee farming.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 20, 2013
Apr 30, 2013
Currency Exchange Loss:
Dec 17, 2014