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Vicente is a native of Nicaragua. He lives the community of Jinotega with his wife and four children aged 2 to 11 years old. For more than 12 years he has had a small 6.5 hectare ranch on which he farms coffee and cocoa, primarily. The two are produced under processes of certification - the coffee with the stamp "Comercio Justo" ["Fair Trade"] and the cocoa as certified organic.

In the last three years, his coffee production has been 300 quintals (30,000 pounds). His goal this year is to renew (by pruning) 0.7 hectares of coffee of the 2.11 hectares that he has established,so that he improves the productive yield of the coffee and confronts low market prices with greater volume.

To the extent that his income increases, his vision is to buy more land in order to diversify his ranch more with other lines of farming such as livestock and to reduce risks. This small, rural entrepreneur has always been very careful in investing the funding that he has received in the activities for which he requests it and to reinvest, although it may be a small part of his utilities, in his own ranch.
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Vicente es originario de Nicaragua, vive en una comunidad de Jinotega, con su esposa y 4 hijos con edades entre 2 y 11 años. Desde hace más de 12 años cuenta con su pequeña finca de 6.5 Hectáreas, en las cuales cultiva café y cacao principalmente. Los dos rubros son producidos bajo procesos de certificación, el café bajo el sello Comercio Justo y el cacao bajo certificación orgánica. En los últimos 3 años su producción de café pergamino ha sido de 300 quintales. Su meta este año, es renovar mediante el recepo 0.7 hectárea de café de las 2.11 hectáreas que tiene establecidas, a fin de mejorar los rendimientos productivos del café y hacer frente a los precios bajos del mercado con un mayor volumen. A medida que sus ingresos vayan aumentando, su visión es comprar más terreno para diversificar más su finca con otros rubros como ganado y disminuir riesgos. Este pequeño empresario rural siempre ha si muy cuidadoso de invertir los financiamientos que ha recibidos en las actividades para las cuales lo solicita y de reinvertir aunque sea una pequeña parte de sus utilidades en su propia finca.

Additional Information

More information about this loan

This loan is part of PAC's program to help farmers swap out old unproductive coffee plants for new ones. New plants generally take three to five years to produce coffee at capacity, temporarily reducing crop yield. Given the length of this renewal process, loans are designed so that farmers can repay over five years with a one-year grace period. 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
  • 83
    View loans »
    Nicaragua Loans Fundraising
  • $25,447,400
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $2,475 helped Vicente to buy plants and supplies for coffee renewal.
18% repaid
Repayment Term
50 months (Additional Information)
Repayment Schedule
Feb 19, 2014
Mar 10, 2014
Currency Exchange Loss: