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Henry is a small coffee producer from the northern part of Nicaragua. He lives with his wife and four children on a small farm where he grows primarily coffee. Henry has received three loans from the Association for People in Community Action (PAC) and all of them were repaid on time. His coffee harvest from the last crop cycle resulted in 80 quintals (1 quintal = 46 kg) of coffee beans in parchment.

In addition to working hard during this crop cycle, Henry is confident that the loan he requested can help him provide adequate maintenance for his coffee crop. He plans to buy supplies and fertilizers, as well as pay for labor. This will improve his yield and his earnings. For this small producer, compost and foliar plant food are the keys to developing his crops.

View original language description ↓
Henry es un pequeño productor de café de la zona norte de Nicaragua. Vive con su esposa y sus 4 hijos en su pequeña finca donde cultiva principalmente café. Ha tenido 3 préstamos con la Asociación Pueblos en Acción Comunitaria (PAC) los cuales ha cancelado debidamente. La cosecha de café de Henry el último ciclo fue de 80 quintales de café pergamino. Para este ciclo, además de trabajar fuerte, él confía que con el préstamo que está solicitando para atender adecuadamente su café con insumos, fertilizantes y labores culturales, va a mejorar los rendimientos y por tanto sus ingresos. Para este pequeño productor, el abono y el foleo son clave para el desarrollo de sus plantaciones.

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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 25.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Henry to buy supplies, fertilizers, and pay for labor to maintain his coffee farm.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Jul 27, 2013
Aug 8, 2013
Currency Exchange Loss:
Mar 29, 2014