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Francisco is a small producer in Nicaragua, who lives with his wife and 4 children on his 7 manzana (about 12.2 acres) estate.
This season he will be sowing corn, beans, malanga coco (a root similar to taro) and coffee. He has 3 manzanas (5.2 acres) of coffee crops and in the last 3 loans he has garnered an average of 30 quintals (300 pounds) of parchment (pergamino) coffee. This crop generates 80% of their annual income, which is very important for him and his family. His goal is to increase the area of this crop with varieties that are resistant to pests and sickness.

For the 2013-2014 loan, Francisco is requesting a loan to purchase fungicides and foliar fertilizers which would enable him to properly maintain his coffee crop and increase it by least 50%. He is confident that with his work, effort and dedication to his estate, he will be able to improve his income and the living conditions for his family.
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Francisco es un pequeño productor de Nicaragua, que vive junto a su esposa y 4 hijos en su finca de 7 manzanas. En esta siembra maíz, frijoles, malanga coco y café. De este último rubro tiene 3 manzanas y en los últimos 3 ciclos ha cosechado un promedio de 30 quintales de café pergamino. Este rubro le genera el 80% de sus ingresos anuales, por lo que para él y su familia es mucha importancia, siendo su meta incrementar el área de este cultivo con variedades resistentes a las plagas y enfermedades.

Para este ciclo 2013-2014, Francisco está solicitando un crédito para la compra de foleos y fungicidas que le permitan dar el mantenimiento adecuado a su cafetal, y obtener un incremento de al menos el 50% en su producción. El está seguro que con su trabajo, esfuerzo y dedicación a su finca podrá mejorar sus ingresos y las condiciones de vida 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.

About Nicaragua

  • $4,800
    Average annual income
  • 89
    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 $650 helped Francisco to purchase foliar fertilizers and fungicides to properly maintain his coffee crop.
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