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Julio is a small coffee producer who lives with his wife and five children in a rural community of Northern Nicaragua. He is a member of Asociación Pueblos en Acción Comunitaria (PAC), which is fair-trade certified.

Last season, he produced 200 quintals of parchment coffee and 40 quintals of beans. For this coffee season, Julio is requesting a loan to buy fertilizers for his coffee plantation, which will improve the quality and productivity of his produce. His goal is to continue growing and give his family a better future. He believes that growing coffee is a good way to achieve it.
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Julio es un pequeño productor de café que vive junto a su esposa y 5 hijos en una comunidad rural al norte de Nicaragua. Él es parte del grupo de afiliados a la Asociación Pueblos en Acción Comunitaria (PAC) que está certificado por Comercio Justo. En el último ciclo obtuvo 200 quintales de café pergamino, además de 40 quintales de frijoles. Para este ciclo de café, Julio está solicitando un crédito para garantizar la fertilización de su cafetal, con lo cual está seguro mejorará la calidad y productividad de este rubro. Su objetivo es seguir creciendo para darle un mejor futuro a su familia y considera que el rubro café tiene un gran potencial para lograrlo.

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
  • $25,075,600
    Funds lent in using Kiva
  • 25.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Julio to buy fertilizers for his coffee plantation.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Aug 15, 2013
Sep 4, 2013
Currency Exchange Loss:
Mar 29, 2014