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María Emilce
María Emilce is 58 years old, is married and lives with her husband, who is her highest priority. With her loan she intends to purchase a pregnant cow with a weaning calf. The idea is to take advantage of the grassy space that she has, the good conditions of the land, and the climate in order to have these animals. She will also get some milk for her family and raise calves to sell as meat in the future.

With this purchase she will be able to develop another business, and also to have a savings that will allow her to have more animals and invest more in the property. This is the first loan she has received from FUDECOSUR. She hasn't had any other loans from state banks before, but FUDECOSUR has provided her the loan with greater ease and a much lower interest rate.
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María Emilce, tiene la edad de 58 años, está casada, vive con su esposo que es su mayor prioridad. Con su crédito pretende hacer la compra de una vaca con una cría al destete y también se encuentra preñada. 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 obtener algo de leche para su familia y desarrollar terneros para en el futuro venderlos para carne. 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. 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
  • $4,783,625
    Funds lent in using Kiva
  • 500.4
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped María Emilce to buy cattle for fattening.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 10, 2013
Jul 9, 2013
Currency Exchange Loss:
Jul 17, 2014