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Flory is 39-years old, married and has two children. She wants a loan to purchase cattle. When they are grown, she will sell them to earn an income. The cattle business will help her and her family to get ahead. This is the first time that Flory is getting funded through FUDECOSUR. She states that the loan group has helped her a lot and has offered her good terns. She hopes to see her project grow and to meet her goals. Then, in the future, she will be able to offer her family a better quality of life and better financial stability. This is the first loan that she has received from FUDECOSUR. She has never before taken a loan from a state bank, but FUDECOSUR offered her the loan with better terms and at a much lower interest rate.
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Flory tiene la edad de 39 años, es casada y tiene dos hijos. Ella el crédito lo quiere para la compra de ganado y cuando estén grandes venderlos y obtener una ganancia. El negocio del ganado le ayudará a ella y a su familia a salir adelante. Es la primera vez que Flory se financia con FUDECOSUR, ella manifiesta que el comité de crédito le ha ayudado mucho y le ha brindaron muchas facilidades. Ella espera que con este proyecto crezca y logre sus objetivos y así pueda en un futuro brindarle a su familia una mejor calidad de vida y una mejor estabilidad económica. 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
  • 3
    View loans »
    Costa Rica Loans Fundraising
  • $4,816,325
    Funds lent in using Kiva
  • 502.4
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Flory to purchase cattle.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 25, 2013
Jul 4, 2013
Currency Exchange Loss:
Aug 17, 2015