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Annia, 38 years old, is married and lives with her husband, who is her top priority. With her loan, she plans to buy fertilizer, fungicide and to pay for manual labor to prepare a plot of land to plant mamón trees [a type of fruit, similar to a lychee]. She will also buy good quality tree grafts.

With the crop from this new plantation she hopes to have better earnings and thereby improve the living conditions of her family, and also invest a bit more in the area of crops and also achieve various goals.

This is the first loan she has received from FUDECOSUR. She hadn’t had a loan before from a state bank, but FUDECOSUR offers loans with greater ease of use and much lower interest rates.
View original language description ↓
Annia, tiene la edad de 38 años, está casada, vive con su esposo el cual es su mayor prioridad. Con su crédito pretende hacer la compra de fertilizantes, fungicidas y pagar mano de obra en trabajos de preparación del terreno para la siembra de los árboles de mamón chino, además de comprar los
árboles injertados de buena calidad. Con esta nueva plantación 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
  • 8
    View loans »
    Costa Rica Loans Fundraising
  • $4,836,900
    Funds lent in using Kiva
  • 515.2
    Costa Rica Colones (CRC) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $975 helped Annia to plant mamón.
66% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jan 28, 2014
Feb 11, 2014
Currency Exchange Loss: