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Humberto, 70, is married and lives with his wife, who is his first priority. With this loan he is planning to buy fertilizers, some products to improve the soil’s condition and fungicides, and to pay for the labor needed in his coffee plantations. He will also buy some coffee plants to replant with the objective of increasing the density and have a better production during the coming years. He wants to make good use of the soil’s fertility and the weather conditions favoring the crop.

With these improvements he hopes to make better profits and improve his family’s living conditions. He also hopes to be able to invest a little in his plantations and achieve some of his goals. This is the first loan he receives from FUDECOSUR. He had not received loans from state-owned banks before, but FUDECOSUR granted him a loan more easily and with a much lower interest rate.
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Humberto, tiene la edad de 70 años, está casado, vive con su esposa que es su mayor prioridad. Con su crédito pretende hacer la compra de fertilizantes y algunas productos que mejoren las condiciones del suelo, fungicidas y pagar mano de obra en trabajos de asistencia para el café, además de comprar algunas plantas de almácigo para hacer resiembras esto con el objetivo de aumentar la densidad de plantas por área y así tener en los próximos años una mejor cosecha, 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 ha 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
  • 504.2
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Humberto to buy supplies for his coffee plantations and pay for labor.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Sep 10, 2013
Oct 10, 2013
Currency Exchange Loss:
Nov 17, 2013