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Update on Rafael

Rafael is 51 years old and is a coffee grower in a community in Jinotega department. He lives with his wife and three children on a farm of 28.16 hectares, of which 11.26 hectares have been set aside for growing coffee. In the last three years his production has been between 300 and 500 quintales of parchment coffee (a quintal is about 100 lb.), which has fair trade certification under FLO, C.A.F.E, Practices and UTZ.

His goal is to succeed, by 2019, in having 21 hectares of coffee with the best production conditions. He will achieve this with investment funds he is managing. Parallel to this process, Rafael is requesting a loan which allow him to ensure the maintenance of the area of coffee that he currently has, which entails having the assurance of the supplies and fertilizers that his plantations need to ensure good production in the current production cycle.

He is certain that with his work and dedication to his small business, along with the availability of resources, he will achieve better results for his family's well-being.
View original language description ↓
Rafael tiene 51 años de edad, es un caficultor de una comunidad del departamento de Jinotega. Vive con su esposa y sus 3 hijos en una finca de 28.16 hectáreas, de las cuales 11.26 hectáreas han sido destinadas para el cultivo de café. En los últimos 3 años su producción ha sido de 300 a 500 quintales de café pergamino, la cual se encuentra bajo la certificación de comercio justo (FLO), C.A.F.E. Practices y UTZ.

Su meta para el 2019 es llegar a tener 21 hectáreas de café con las mejores condiciones para la producción. Esto lo logrará con fondos de inversión que está gestionando. Paralelo a este proceso, Rafael está solicitando un crédito que le permita garantizar el mantenimiento del área de café con que cuenta actualmente, lo cual implica el aseguramiento de los insumos y fertilizantes que requieren sus plantaciones para asegurar una buena producción en el actual ciclo productivo.

Está seguro que con su trabajo y dedicación a su pequeña empresa, acompañado de la disponibilidad de recursos, logrará mejores resultados para el bienestar de su familia.

Previous Loan Details

Rafael, age 51, is a coffee farmer in a community in the Jinotega department. He lives with his wife and their three children on a farm that is 28.16 hectares. Of those, 11.26 hectares are used for growing coffee. In the last three years, his production has been from 300 to 500 ‘quintales’ [a ... More from Rafael's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Nicaragua

  • $4,800
    Average annual income
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 26.2
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $3,900 helped Rafael to buy supplies and fertilizers that his plantations require.
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 2, 2014
Apr 21, 2014
Currency Exchange Loss:
May 21, 2014