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José is 56 years old and lives with his wife and their seven children in a rural community in Nicaragua. Five of his children are going to school, and their goal is to become professionals.

José's main activities are coffee growing and cattle raising, in which he has worked since he was young. The farm of this small producer is 62 manzanas in area (about 108 acres); 10 of these are planted in coffee, and of these 8 are producing and 2 are in development.

Currently his coffee production is sold through the business platforms promoted by PAC (Villages in Community Action Association), under the Fair Trade certification seal.

In order to ensure pest and disease control on his coffee plantation, this small producer is requesting a loan that will allow him to buy the supplies for maintaining his plantation. His goal is to increase his coffee production through greater yields and area planted, and to succeed in having a greater cash flow throughout the year.
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José tiene 56 años de edad y vive con su esposa y sus siete hijos, en una comunidad rural de Nicaragua. Cinco de sus hijos están estudiando y su meta es llegar a ser profesionales. Las principales actividades económicas de José son el café y el ganado, a las cuales se ha dedicado desde joven. La finca de este pequeño productor es de 62 manzanas, de las cuales 10 son de café y de éstas 8 son cosecheras y 2 están en desarrollo.

Actualmente, su producción de café es comercializada a través de las plataformas de negocios promovidas por PAC (Asociación Pueblos en Acción Comunitaria), bajo el sello de certificación Comercio Justo. Para garantizar el control de plagas y enfermedades en su plantación de café, este pequeño productor está solicitando un crédito que le permita comprar los insumos para el mantenimiento de su cafetal. Su meta es incrementar su producción de café, a través de mayores rendimientos y áreas, y llegar a tener un mejor flujo de recursos a lo largo del año.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 25.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,400 helped José to buy supplies for maintaining his coffee plantation.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Jun 19, 2013
Jul 12, 2013
Currency Exchange Loss:
Jun 17, 2014