This producer is implementing improvements in labor conditions and labor security on his farm. As part of this, he is currently requesting a loan to build a camp on his farm so that his workers will have the necessary living condition during the coffee cutting period. This endeavor will contribute to better worker performance and greater productivity. It is also consistent with the self managed corporate social responsibility promoted by the Peoples Community Action Partnership (PAC) among its members. This small producer is also requesting funding for the maintenance of his plantations during this coffee cycle.
Como parte de las mejoras que este productor viene implementando en su finca en materia de condiciones laborales y seguridad laboral, actualmente está solicitando un crédito para la construcción de un campamento que permita a sus trabajadores contar con las condiciones necesarias para habitar en su finca durante el período de corte de café. Esta acción contribuirá a un mejor rendimiento por parte de los trabajadores y por ende una mayor productividad, además está alineada a la responsabilidad social empresarial autogestionaria que la asociación Pueblos en Acción Comunitaria (PAC) promueve entre sus afiliados. Para este ciclo de café, este pequeño productor también está solicitando un financiamiento para el mantenimiento de sus plantaciones.
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 PACPAC (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.
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