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Victor Julio
Víctor’s in a common law relationship living with his wife and six children who are his greatest priority. He will use the loan to buy spare parts to repair his work vehicle.

He works as a local mechanic and his means of transport to provide service as a mechanic is having some problems so he decided to apply to the Fundación for help. He hopes with this improvement to be able to continue to provide home service or wherever else it’s required. What he wants is to increase his clientele and to keep it satisfied with his work and service provided to earn higher income at the same time for his family’s well-being.

This is his second loan from Fudecosur. He’d had no previous loans with state banks but Fudecosur offered the best terms and a much lower interest rate.
View original language description ↓
Víctor, está en unión libre, vive con su esposa y 6 hijos que son su mayor prioridad. El con el crédito va comprar los repuestos para la mejora de su vehículo de trabajo. El se dedica como un mecánico de la zona de donde reside y su medio de trasporte a brindar sus servicios como mecánico está teniendo unos desperfectos por lo cual el opto a solicitar una ayuda a la fundación. El espera con esta mejorar poder seguir dando su servicio a domicilio o cualquier parte donde sea que lo soliciten. El lo que quiere es aumentar su clientela y mantenerla satisfecha de sus trabajos y su atención brindada, a su vez tambien generar más ingresos para el bienestar de su familia a futuro. Es el segundo préstamo que recibido de FUDECOSUR. El 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
  • 2
    View loans »
    Costa Rica Loans Fundraising
  • $4,816,325
    Funds lent in using Kiva
  • 498.7
    Costa Rica Colones (CRC) = $1 USD
A loan of $1,025 helped Victor Julio to buy vehicle spare parts.
Repayment Term
38 months (Additional Information)
Repayment Schedule
Aug 26, 2013
Sep 23, 2013
Currency Exchange Loss:
Oct 23, 2013