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Elba Del Rosario
Elba is 47 years old. She lives with her husband and six children on a small farm called "Gracias a Dios" in a rural community found in the Nicaraguan department of Jinotega. She makes a living growing coffee along with her family. This has been their main source of income for more than five years. They also plant basic grains for their own family consumption. Elba's farm is certified with the Fair Trade seal, which proves it's compliance with economic, worker, and environmental criteria that this certification requires, in addition to a contribution to the economic development of her community.

In the last three cycles she has harvested 70, 120, and 48 quintals [approximately 3,220, 5,520, and 2,208 kilograms respectively] of pergamino coffee. The diminished harvest of her farm in the 2012-2013 cycle was due to the spread of the roya fungus [coffee-leaf rust] in the country. This is disease has a great impact on coffee agriculture. This diminished harvest together with the fall in price in this sector has diminished her liquidity. This is why she has decided to request a loan to take on a comprehensive management plan of her farm.

With these resources, this entrepreneur will be able to invest in the purchase of preventative and restorative fungicides as well as supplies to fertilize her coffee farm in order to achieve stability in her harvest production. Elba is sure that with dedication and perseverance she and her family will be able to stabilize and increase the harvest production of their coffee farm in the following years.
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Elba tiene 47 años de edad, vive con su esposo y sus 6 hijos en una comunidad rural del departamento de Jinotega en Nicaragua, en una pequeña finca que ha llamado “Gracias a Dios”. Ella junto a su familia se dedican al cultivo de café, como principal fuente de ingresos desde hace más de 5 años. Además, siembran granos básicos para auto consumo familiar. La finca de Elba está certificada por el sello Comercio Justo, lo cual evidencia el cumplimiento de criterios económicos, laborales y ambientales que exige esta certificación, así como su contribución al desarrollo económico de su comunidad.

En los últimos 3 ciclos, ha obtenido rendimientos de 70, 120 y 48 quintales de café pergamino. La disminución del rendimiento del café en su finca en el ciclo 2012-2013, se debió a la afectación de la roya en el país, la cual es una enfermedad de alto impacto en la caficultura. Este bajo rendimiento sumado a la caída del precio de este rubro ha disminuido su liquidez, por lo que ha decidido solicitar este crédito para hacer frente al plan de manejo integral de su finca.

Con estos recursos, la emprendedora podrá invertir en la compra de fungicidas preventivos y curativos, e insumos para la fertilización de su cafetal, a fin de lograr la estabilización de los rendimientos productivos. Elba, está segura que con su dedicación y perseverancia, logrará junto a su familia, estabilizar e incrementar los rendimientos productivos de su plantación de café en los próximos años.

Additional Information

More information about this loan

This loan is part of PAC's effort to help farmers expand their existing crop yields and increase their incomes. Coffee production loans help farmers increase their crop yields by enabling them pay to clean, prune, fertilize, and conserve their fields, deliver water, and replant trees needed to shade coffee plants. Farmers working with PAC also receive technical assistance and commercial services, as well as access to Fair Trade and organic certifications and international markets.

About PAC

PAC (Association for People in Community Action) is a community development organization in Nicaragua that offers clients loans, technical assistance and access to markets. Founded in 1996, it’s a joint initiative between World Relief Nicaragua and local farmers. PAC believes that increased agricultural production and improved technology can bring economic development to high poverty zones.

Some loans from PAC are disbursed in partial payments over a period of four to six months depending on the needs of the borrower. The borrower will not be charged interest on any funds that have not yet been disbursed. If the borrower decides not to use the entire loan amount, the unused portion will be returned to lenders in the form of a pre-payment.

About Nicaragua

  • $4,800
    Average annual income
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,770,775
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Elba Del Rosario to buy preventative and restorative fungicides as well as fertilizer supplies for her coffee crop.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 27, 2013
Jun 21, 2013
Currency Exchange Loss:
Mar 17, 2014