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Carlos is a coffee grower in the department of Jinotega. He has a 4.2 hectare lot which he farms with his family; 2.1 hectares are dedicated to coffee. He’s been farming for more than ten years, and it is his main source of income to finance the needs of his wife and three children.

During the time that Carlos has been working with PAC, as a small producer of coffee he has received the qualification Comercio Justo. As well he has increased the area under cultivation and also coffee production. In fact, this last year he has increased production by 50% resulting in an improvement in his financial situation.

For the 2014-2015 cycle Carlos is seeking a loan to buy manure and fertilizer which will allow him to improve the condition of his fields as part of a yearly plan of continued improvements. He is certain that this will lead to greater coffee production and more income for the wellbeing of his family.
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Carlos, es un caficultor del departamento de Jinotega. Cuenta con una pequeña finca de 4.2 Ha; la que trabaja con su familia, y en la cual tienen 2.1 Ha. de café, actividad a la cual se ha dedicado por más de 10 años; y es el principal ingreso económico para cubrir las necesidades de su esposa y sus tres hijos.

Durante el tiempo que lleva trabajando con PAC, este pequeño productor ha estado integrado al proceso de certificación de Comercio Justo, ha logrado incrementar su área productiva, así como su producción; obteniendo un aumento del 50% en el último año, que ha derivado en la mejora de sus ingresos económicos.

Para el ciclo 2014-2015, Carlos está solicitando un financiamiento para la compra de abonos y fertilizantes; que le permita darle el mantenimiento a su finca como parte de la mejora continua que pretende lograr año con año, y con lo cual está seguro seguirá mejorando la productividad de su café y sus ingresos para el bienestar 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
  • 92
    View loans »
    Nicaragua Loans Fundraising
  • $24,769,675
    Funds lent in using Kiva
  • 26.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Carlos buy manure and fertilizer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 8, 2014
Apr 23, 2014
Currency Exchange Loss:
May 17, 2015