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Nelson José
Nelson is 31 years old and lives in a rural community in Nicaragua with his companion and their two children (ages 3 and 5). His farm consists of 10 plots on which he grows corn, beans, and coffee. Six of those plots are used for growing coffee. During the past two crop cycles, he has harvested an average of 250 quintals (1 quintal = 46 kg) of coffee in parchment. Pests, diseases, and falling coffee prices are the main challenges of growing coffee for this small entrepreneur. To deal with the pests and diseases, he decided to get more technical training, which is why he relies on the support of the technical team from the Association for People in Community Action (PAC). The impact of falling prices has diminished since he is able to produce more. However, this requires a greater investment of effort and resources.


For this reason, Nelson is requesting a loan in order to buy fertilizers and foliar plant food that he needs for his coffee farm. His goal is to increase his coffee plantings, obtain a larger yield, and increase the income from his efforts.

View original language description ↓
Nelson tiene 31 años y vive en una comunidad rural de Nicaragua junto a su compañera y sus dos hijos de 3 y 5 años. Su finca es de 10 manzanas, en las cuales cultiva maíz, frijol y café. De las 6 manzanas de café que tiene, en los últimos dos ciclos ha cosechado un promedio de 250 quintales de café pergamino. Para este pequeño emprendedor, las plagas y enfermedades que afectan el café y la caída de los precios son los principales desafíos para este cultivo. El primero considera que le puede hacer frente mediante un manejo más tecnificado para lo cual se apoya en la asistencia que brinda el equipo técnico de la Asociación Pueblos en Acción Comunitaria (PAC), y el efecto del segundo puede disminuirse con un mayor rendimiento, para lo cual requiere una mayor inversión de esfuerzo y recursos. Por lo tanto, este pequeño productor está solicitando un crédito para comprar los fertilizantes y foleos que necesita realizar en su plantación de café. Su meta es incrementar su área de café, obtener una mayor producción y a la vez incrementar los ingresos que le genera este rubro.

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.

Tags

About Nicaragua

  • $4,800
    Average annual income
  • 96
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,050 helped Nelson José to buy fertilizers and foliar plant food for his coffee farm.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Jun 24, 2013
Listed
Jul 23, 2013
Currency Exchange Loss:
Possible
Ended:
Mar 26, 2014