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Harold Armando
Harold is a young entrepreneur. He is 21 years old. He is just started his own business in the production of coffee. He has a small farm of 3.5 hectares of which 1.5 are coffee. His family was always in coffee agriculture for a living and he has been cultivating his own coffee for 2 years.

This youth says that "one of the main challenges that is faced in coffee cultivation is low yields, but I am sure that with good management and with the implementation of techniques such as soil analysis, I am going to overcome them".

To guarantee the maintenance of his coffee crops, Harold is requesting a loan that will allow him to assure the implementation of techniques and the required inputs for his coffee crops in order to obtain better yields and quality in this production cycle.

His knowledge in his field and the estimated profitability will allow him to grow in this activity, and continue improving the conditions of his family that is beginning to form.
View original language description ↓
Harold es un joven emprendedor de 21 años, que está comenzando a trabajar de manera independiente en la producción de café. Cuenta con una pequeña finca de 3.5 hectáreas de las cuales 1.5 son de café. Su familia siempre se ha dedicado a la caficultura, y desde hace unos 2 años este joven está cultivando por cuenta propia su café.

Este joven dice que “uno de los principales desafíos que se enfrentan en el cultivo de café son los bajos rendimientos, pero yo estoy seguro que con un buen manejo y con la implementación de técnicas como el análisis de suelo, voy a superarlos”.

Para garantizar el mantenimiento de su cafetal, Harold está solicitando un crédito que le permita asegurar la implementación de técnicas e insumos requeridos por su plantación de café, a fin de obtener mejores rendimientos y calidad en este ciclo productivo.

Su conocimiento en este rubro y la rentabilidad estimada, le permitirá ir creciendo en esta actividad y con ello ir mejorando las condiciones de la familia que está comenzando a formar.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,409,250
    Funds lent in using Kiva
  • 26.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Harold Armando for the purchase of inputs required for his plantation.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 1, 2014
Apr 21, 2014
Currency Exchange Loss:
May 17, 2015