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Gilberto is 36 years old. He is married and he lives with his wife and children who are his highest priority. With his loan he wants to purchase fertilizers, fungicides and pay for labor in the jobs of planting and assisting with the coffee as well as to buy some seedling plants to do a new planting and to be able to carry it out at the start of the rains. His objective is to take advantage of the rainy season as much as possible and thus to increase the density of plants per area as well as to take advantage of the good fertility of the soil, the climate conditions and other things that favor the cultivation of coffee.

With these improvements to the crop he hopes to obtain a little profit and thus improve the living conditions of his family, to invest a little more in the area of cultivation and also to achieve some goals.

It is the first loan that he has received from FUDECOSUR. He had not had other loans from state banks before but FUDECOSUR has offered him the loan with greater ease and a much lower interest rate.
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Gilberto, tiene la edad de 36 años, está casado, vive con sus hijos y esposa que son su mayor prioridad. Con su crédito pretende hacer la compra de fertilizantes, fungicidas y pagar mano de obra en trabajos de siembra y asistencia para el café, además de comprar algunas plantas de almácigo para hacer siembra nueva y poderla realizar a inicio de lluvias esto con el objetivo de aprovechar lo más que se pueda el periodo de lluvias y así 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
  • 7
    View loans »
    Costa Rica Loans Fundraising
  • $4,715,325
    Funds lent in using Kiva
  • 502.7
    Costa Rica Colones (CRC) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,000 helped Gilberto to plant coffee.
55% repaid
Repayment Term
56 months (Additional Information)
Repayment Schedule
May 7, 2013
Jun 9, 2013
Currency Exchange Loss: