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Armando José
Armando is 49 and lives with his wife and five children in a rural community of Nicaragua. On his small farm of 16.8 acres he grows corn, beans, cabbage and coffee. Coffee is his main source of income and in the last three seasons he has harvested 150, 300 and 200 quintals of Pergamini coffee from an area of 8.4 acres. The last harvest was smaller due to a blight problem which affected the country's coffee plantations. However, Armando aims to overcome this disease, which affects the leaves of the plant, through good management of his farm. In order to achieve this he is asking for a loan to buy fertilisers for his coffee plantation and to be able to guarantee the upkeep of the farm. Small-time entrepreneur Armando is confident that with his hard work, honesty and open business negotiations, he will be able to continue growing his farm and improving his family's living conditions.
View original language description ↓
Armando tiene 49 años de edad, vive junto a su esposa y sus 5 hijos en una comunidad rural de Nicaragua. En su pequeña finca de 10 manzanas, cultiva maíz, frijoles, repollo y café. Este último rubro es su principal fuente de ingresos y en los últimos 3 ciclos ha obtenido una producción de 150, 300 y 200 quintales de café pergamino en un área de 5 manzanas.

En el último ciclo tuvo una baja en el rendimiento debido al problema de la roya, que afectó las plantaciones de café en el país. Sin embargo, su objetivo es hacer frente a esta enfermedad que afecta las hojas de la planta, con un manejo integral de su finca. Para ello está solicitando un crédito para la compra de fertilizantes para su plantación de café y poder garantizar todas las actividades de mantenimiento de este cultivo. Este pequeño emprendedor confía que con su trabajo, honestidad y transparencia en sus relaciones de negocios, podrá seguir creciendo y obteniendo mejores condiciones para su familia.

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.


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About Nicaragua

  • $4,800
    Average annual income
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,425 helped Armando José to buy fertilisers for his coffee plantation.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 24, 2013
Jul 20, 2013
Currency Exchange Loss:
Mar 21, 2014