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Cerapio Del Carmen
Cerapio del Carmen is a coffee producer. He is the father of six children. Together with his wife, he has raised them thanks to the income he receives from his activity. He is an entrepreneur who generates jobs for four persons from his community every year. During the last season, he increased his production of parchment coffee [dried, but un-hulled coffee beans] by 130 quintals compared to the previous one, thanks to the improvements he has been implementing in his farm.

This small producer has worked with coffee his whole life. It has been his main economic activity for more than ten years. He has received three loans from Asociación Pueblos en Acción Comunitaria (PAC) and has paid them back on time thanks to his good results.

This time, he is requesting a loan to buy supplies for the maintenance activities needed to keep 3.5 hectares. These supplies will increase his productivity and profitability for the upcoming season. His goal is to enlarge his plantations in order to improve his family’s financial situation.
View original language description ↓
Cerapio del Carmen es un productor del norte de Nicaragua. Es padre de 6 hijos a quienes, junto a su esposa, han criado con los ingresos obtenidos de la producción de café. Este emprendedor genera 4 empleos en la comunidad durante el año. En el ciclo anterior obtuvo un aumento de 130 quintales de café pergamino con respecto a la cosecha anterior, debido al manejo semi tecnificado que ha venido implementando en su finca.

Este pequeño productor ha estado relacionado con la caficultura toda su vida, la cual ha adoptado como su principal actividad económica desde hace más de 10 años. Ha obtenido 3 financiamientos de la Asociación Pueblos en Acción Comunitaria (PAC), los cuales ha logrado cancelar gracias a los buenos resultados obtenidos.

Para este ciclo, él está solicitando un financiamiento para la compra de insumos que le permita asegurar el mantenimiento de 3.5 hectáreas de café; con los que aumentará la productividad y rentabilidad en la próxima cosecha. Su meta es aumentar las áreas de siembra para mejorar la condición económica 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

  • $3,636
    Average annual income
  • 96
    View loans »
    Nicaragua Loans Fundraising
  • $23,723,925
    Funds lent in using Kiva
  • 26.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Cerapio Del Carmen to buy supplies to give maintenance to 3.5 hectares of coffee plantations.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 1, 2014
Apr 23, 2014
Currency Exchange Loss:
Feb 28, 2015