Update on José ÁlvaroJosé Álvaro is 34 years old and a small coffee producer from northern Nicaragua. His farm measures 70.42 hectares, of which 21.12 hectares is set aside for growing coffee. Within the past three years, his coffee production has resulted in an amount that is between 250 and 500 quintals (1 quintal = 100 kg) of coffee beans in parchment. José Álvaro is a certified Fair Trade grower.
For this crop cycle, this small entrepreneur is requesting a loan that will allow him to adequately maintain his plants. He plans to apply the required inputs and fertilizers that will result in a good harvest. This will also help him to deal with pests and diseases that could affect his crops.
For this small entrepreneur, coffee growing is his main business activity. He is confident in his work and having available resources to invest in his farm will result in better returns from upcoming crop cycles. As a result, he will have more income for the future.
Para este ciclo, este pequeño emprendedor está solicitando un crédito que le permita darle el mantenimiento adecuado a sus plantaciones, mediante la aplicación de insumos y fertilizantes requeridos para una buena cosecha, así como para hacer frente a las plagas y enfermedades que afectan este cultivo.
Para este pequeño emprendedor, la caficultura es su principal actividad económica. Está seguro que con su trabajo y la disponibilidad de recursos para invertir en su finca logrará mejores rendimientos en los próximos ciclos, y con ello mayores ingresos para su futuro.
Previous Loan DetailsJosé 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… More from José Álvaro's previous loan »
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 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.
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.
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