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Henry, 35 years old, is in a common-law marriage and lives with his son and wife, who are his main priority. With his loan he is trying to purchase some small calves that are well-suited to being good dairy cows in the future. The idea is to take advantage of the grassy space he has, as well as the good terrain and climate conditions so that he is able have these animals and at the same time improve the herd of cattle and develop the calves to become cows with good performance in the future.

With this purchase he could develop another business activity and at the same time have savings that will allow him to have more animals and invest more in the property. This is the first loan that he has received from FUDECOSUR. He has not had any previous loans from state banks, but FUDECOSUR has offered him the loan with greater ease and a much lower interest rate.
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Henry, tiene la edad de35 años, está en unión libre, vive con su hijo y esposa que son su mayor prioridad. Con su crédito pretende hacer la compra unas terneras pequeñas que tengan buenas características para que ha futuro sean unas vacas buenas para la producción de leche. La idea es aprovechar el espacio que tiene de pasto y las buenas condiciones de terreno y clima para poder tener estos animales y a la vez ir mejorando el hato de ganado y desarrollar terneras que en el futuro vacas con un buen rendimiento. Con esta compra podrá desarrollar una actividad más, y a la vez tener un ahorro que le permitirá ir teniendo más animales e invertir más en la propiedad. 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
  • 12
    View loans »
    Costa Rica Loans Fundraising
  • $4,723,875
    Funds lent in using Kiva
  • 500.2
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Henry to buy calves for milk production.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 23, 2013
May 5, 2013
Currency Exchange Loss:
Dec 17, 2015