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Gilberto is a young man who is 28 years of age. He lives in a rural community in Nicaragua where he has a small farm. His main business activity is growing coffee. He and his wife have a seven-year-old son who is in primary school. Gilberto has been able to improve his farm and diversify into other activities, such as buying and selling livestock. He was able to earn a high school diploma, but he chose to dedicate himself to agriculture, a line of work that he has been in for approximately 10 years. He has gained knowledge in this trade from a very young age.

Gilberto’s small farm is affiliated with PAC (Association for People in Community Action), which includes certified Fair Trade coffee producers. In order to continue improving the processes on his farm, he needs capital to maintain his production activities for the 2013-2014 crop cycle. Therefore, Gilberto is requesting a loan so that he can invest in the purchase of supplies that will contribute to the quantity and quality of coffee that he produces.

His vision is to continue the processes on his farm through his effort and work. He is confident that he can continue growing and improving his small piece of property and his coffee farm.

View original language description ↓
Gilberto es un joven de 28 años, que vive en una comunidad rural de Nicaragua, en una pequeña finca cuya principal actividad económica es el café. Junto a su esposa, con quien tiene un hijo de 7 años que está en Primaria, ha venido mejorando su finca y diversificando con otras actividades como la compra de venta de ganado. El es un joven que logró obtener el bachillerato pero optó por dedicarse a la agricultura desde hace 10 años aproximadamente, lo cual es algo que conoce desde muy pequeño.

Su pequeña finca, está dentro del grupo de fincas de afiliados a PAC (Asociación Pueblos en Acción Comunitaria) que han sido certificadas por Comercio Justo, como productores de café. Para continuar mejorando los procesos de su finca y contar con capital para las actividades de mantenimiento de su cafetal en este ciclo de cosecha 2013-2014, este joven está solicitando un crédito para invertirlo en la compra de insumos que contribuyan a los rendimientos y calidad del café que produce.

Su visión por la mejora continua de los procesos que implementa en su finca y su empeño en el trabajo, confía en que le permitirán continuar creciendo y mejorando su pequeña propiedad y su plantación de café.

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
  • 72
    View loans »
    Nicaragua Loans Fundraising
  • $25,049,000
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Gilberto to buy supplies for maintaining his coffee farm.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 27, 2013
Jun 24, 2013
Currency Exchange Loss:
May 17, 2014