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Yorlene, 37, is married and lives with her spouse and children, who are her top priority. With her loan she plans to buy fertilizers and good bean seeds so that will develop and produce well, and other products to apply to the seedlings so that they germinate properly. She will also pay laborers for the application of these products and assistance with the planting once the seedlings have developed. This will ensure that she does a good job. She wants to take advantage of the good climatic conditions and fertility of the soils that her region has for this crop, and also to put into practice her various years of experience in planting basic grains. She also wants to buy the best quality products so that her plantation develops well and is healthy so that she gets a good harvest, and has good production in the short term. She will use the income from the harvest for her family's wellbeing and their studies, and to meet some family goals as well as to invest more in her crops. This is her first loan from FUDECOSUR. She hasn't had previous loans from state banks, but FUDECOSUR has given her a loan that is easier and has a much lower interest rate.
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Yorlene, tiene la edad de 37 años, está casada, vive con su esposo y sus hijos los cuales su mayor prioridad. Con su crédito pretende hacer la compra de fertilizantes, una adecuada semilla de frijol que pueda tener un buen desarrollo y producción y otros productos para aplicarle a la siembra y así que tenga una buena geminación, además pagar mano de obra para la aplicación de los productos y asistencia de la plantación una vez que tenga desarrollo, y de esta manera asegurarse de realizar un buen trabajo. Lo que pretende es aprovechar las buenas condiciones de clima y fertilidad de los suelos que cuenta la zona para este cultivo, y también poner en práctica la experiencia de varios años en el manejo de granos básicos. Además de poder comprar los mejores productos y de mejor calidad para que su plantación tenga un buen desarrollo y sanidad al igual que una cosecha adecuada, y tener a corto plazo una producción importante. Con el ingreso de la cosecha que espera obtener quiere utilizarla en el bienestar y estudio de su familia y cumplir con algunas metas familiares y seguir invirtiendo más en los cultivos. 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
  • 502.4
    Costa Rica Colones (CRC) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $600 helped Yorlene to plant beans.
66% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
May 13, 2013
May 26, 2013
Currency Exchange Loss: