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José Angel
José Angel is a 34-year-old entrepreneur who lives on a 1.4 acre plot in a highly productive area north of Nicaragua. He works as a laborer on farms in his community and also grows coffee in the middle of his plot. He is requesting a loan for the supplies needed for strengthening the 3-4 year-old plantation.

With this loan, José Angel will be able to ensure the nutrition requirements of the coffee. He says, "The truth is that my farm is small and I cannot continue to develop new areas, just give proper handling to the area I do have." Therefore, his goal is to increase production yields and exceed 60 to 80 quintals of parchment coffee in this cycle to improve both his income and the conditions of his family.
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José Angel es un pequeño emprendedor de 34 años que vive en su parcela de 1.4 hectáreas en una zona de alto potencial productivo al norte de Nicaragua. Trabaja como jornalero en fincas de su comunidad, y además cultiva café en la mitad de su parcela, para la cual está solicitando un financiamiento que le permita garantizar el suministro de insumos necesarios para el fortalecimiento y vigor de la plantación cuya edad es de 3 a 4 años.

Con este crédito, José Angel estará garantizando los requerimientos de nutrición del café establecido. El dice: “la verdad que mi finca es pequeña y no puedo seguir estableciendo nuevas áreas todavía, solo darle el manejo adecuado a las que tengo”. Por lo tanto, su meta es incrementar los rendimientos productivos y pasar de 60 a 80 quintales de café pergamino en este ciclo, a fin de mejorar sus ingresos y las condiciones de su familia.

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
  • 96
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 26.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped José Angel to buy supplies and fertilizers for his coffee plantation.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 1, 2014
Apr 21, 2014
Currency Exchange Loss:
Feb 28, 2015