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Jose Alvaro
José Álvaro is 34 years old and is a small coffee producer in northern Nicaragua. His farm is 70.42 hectares, of which 21.12 hectares have been set aside for coffee. In the last three years his production of coffee has been between 250 and 500 quintales of parchment coffee (a quintal is about 100 lb.) and his farm has Fair Trade Certification (FLO).

The vision of this small entrepreneur is to attain 28 hectares of productive coffee with the best conditions. To achieve this goal, he is requesting a loan to establish 2 hectares of coffee this year. With the funds he gets from this transaction, he will be able to ensure the purchase of plants, materials and supplies required for this activity.

José Álvaro is certain that investment in coffee is profitable, given the climatic conditions where his farm is located, and the prices the market offers, which are less risky by virtue of his having Fair Trade Certification.
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José Álvaro tiene 34 años de edad, es un pequeño productor de café del norte de Nicaragua. Su finca es de 70.42 hectáreas, de las cuales 21.12 hectáreas han sido destinadas para el rubro de café. En los últimos 3 años su producción de café ha sido de 250 a 500 quintales pergamino, y se encuentra bajo la certificación de comercio justo (FLO).

La visión de este pequeño emprendedor es alcanzar 28 hectáreas de café productivo, con las mejores condiciones. Para lograr esa meta, él está solicitando un financiamiento para el establecimiento de 2 hectáreas de café en este año. Con los fondos que obtenga de esta gestión podrá garantizar la compra de plantas, materiales e insumos requeridos para esta actividad.

José Álvaro está seguro que la inversión en café es rentable, dadas las condiciones climáticas donde se ubica su finca y los precios que ofrece el mercado, los cuales son menos riesgosos al estar integrado a la certificación de Comercio Justo.

Additional Information

More information about this loan

This loan is part of PAC's program to help farmers swap out old unproductive coffee plants for new ones. New plants generally take three to five years to produce coffee at capacity, temporarily reducing crop yield. Given the length of this renewal process, loans are designed so that farmers can repay over five years with a one-year grace period. 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.


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About Nicaragua

  • $4,800
    Average annual income
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $25,382,700
    Funds lent in using Kiva
  • 26.2
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $3,000 helped Jose Alvaro to establish two hectares of coffee.
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 1, 2014
Apr 21, 2014
Currency Exchange Loss:
May 21, 2014