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Hellen is married. She is 35 years old. She lives with her husband and their 2 children, who are her greatest priority. With the loan, she will buy some heifers to keep on some land that is suitable to use. She has always raised these animals, and it has gone very well for her at the time of sale when they are big. For this reason, she wants to again buy more to thus have more in her care. She hopes to have them ready for sale quickly and be able to sell them in good times and to thus generate more income for their well-being and to help her husband with the household obligations. This is the first loan that she has received from FUDECOSUR. She has not had other previous loans from state banks, but FUDECOSUR has offered her the loan with a better payment plan and a much lower interest rate.
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Hellen, está casada, tiene la edad de 33 años, vive con su esposo y sus 2 hijos que son su mayor prioridad. Ella con el crédito va compra unas novillas para tenerlas en un terreno apto para la explotación. Ella siempre se ha dedicado a tener de estos animales y le ha ido muy bien a la hora de venderlas ya grandes, por lo cual quiere volver a comprar más para así tener más a su poder. Ella espera tenerla rápido para la venta y poder venderlas en tiempos buenos para así generar más ingresos para su bienestar y darle una ayuda a su esposo con los deberes de su hogar. 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
  • 0
    View loans »
    Costa Rica Loans Fundraising
  • $4,780,050
    Funds lent in using Kiva
  • 502.0
    Costa Rica Colones (CRC) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,000 helped Hellen to buy heifers to raise.
66% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 23, 2013
May 24, 2013
Currency Exchange Loss: