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Máximo  Germán
Máximo is a small coffee producer from Jinotega. He lives on his small ranch with his wife and four kids, all under 10 years old. His coffee plantation is 4.23 hectares and is integrated into the Fair Trade certification process. The average coffee production of this small producer has been 100 quintals (about 10,000 pounds) Pergamino (beans with the outer parchment shell) in the last 3 years.

Up until now, Máximo has faced difficulties in the post-harvest management of his coffee and does not have the necessary conditions to carry out this process. Therefore, he is requesting financing for investment that allows him to build a wet coffee processing plant for the appropriate management of his coffee. This will assure better quality as well as reduce losses during processing. Máximo is sure that with his work and effort he will achieve a good production, and with this funding he will be able to appropriately process his harvest to obtain greater yield.
View original language description ↓
Máximo es un pequeño productor de café de Jinotega. Vive en su pequeña finca con su esposa y sus 4 hijos todos menores de 10 años. Su plantación de café es de 4.23 hectáreas y está integrado al proceso de certificación Fairtrade. La producción de café promedio de este pequeño productor ha sido de 100 quintales pergamino en los últimos 3 años. Hasta ahora ha venido enfrentando dificultades en el manejo post-cosecha de su café ya que no cuenta con las condiciones necesarias para realizar este proceso. Por lo tanto, está solicitando un financiamiento para inversión que le permita construir un beneficio húmedo para el manejo adecuado de su café, con lo cual asegurará una mayor calidad y además disminuir las pérdidas durante el procesamiento. Está seguro que con su trabajo y esfuerzo podrá lograr una buena producción, y que con este financiamiento podrá procesar adecuadamente su cosecha, para obtener mayores rendimientos.

Additional Information

More information about this loan

The loans are for medium sized farm owners who need to invest in farm assets, such as water filtration systems and bean drying equipment. Due to the larger nature of the loans, loan terms are longer than average Kiva loans, and can be up to seven years. Farmers working with PAC also receive technical assistance and commercialization services, as well as access to Fair Trade and organic certifications, and international market access.  

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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $3,975 helped Máximo Germán for the construction of wet coffee processing plant.
Repayment Term
62 months (Additional Information)
Repayment Schedule
Feb 19, 2014
Mar 10, 2014
Currency Exchange Loss:
Apr 9, 2014