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Hugo Javier
Hugo, who is 42 years old, lives with his wife and five children in a community of Jinotega. He has a 23.1-hectare farm, of which 3.5 hectares are coffee and from which he has been able to harvest up to a maximum of 295 quintals of Pergamino coffee. He produces this in accordance with the criteria for Fair Trade certification.

For this cycle, this producer is requesting a loan to build a wet processing plant that will allow him to ensure a higher quality coffee and reduce his expenses. Until now what he has done to meet this need is rent a plant to process his coffee, but this increases his expenses.

His goal for the next few years is to modernize his farm and increase the productive areas of his small farm, as he believes this is a profitable profession that will allow him to make more income for his family.
View original language description ↓
Hugo, con 42 años de edad, vive junto a su esposa y 5 hijos en una comunidad de Jinotega. Posee una finca de 23.1 Ha. De las cuales 3.5 Ha. son de café, y en las cuales ha logrado cosechar hasta un máximo de 295 quintales de café pergamino, el cual produce bajo criterios de certificación Comercio Justo.

Para este ciclo, este productor está solicitando un financiamiento para la construcción de un beneficio húmedo que le permita garantizar una mayor calidad de su café y disminuir los costos; ya que hasta ahora para suplir esta necesidad lo que ha hecho es alquilar un beneficio para el procesamiento de su café, pero esto incrementa sus costos.

Su objetivo en los próximos años, es ir tecnificando su finca y aumentar las áreas de producción en su pequeña finca, ya que considera que este es un rubro rentable, que le permitirá tener mayores ingresos para su familia.

Additional Information

More information about this loan

The loans are for medium sized farm owners who need to invest in farm assets, such as water filtration systems and bean drying equipment. Due to the larger nature of the loans, loan terms are longer than average Kiva loans, and can be up to seven years. Farmers working with PAC also receive technical assistance and commercialization services, as well as access to Fair Trade and organic certifications, and international market access.  

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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,420,300
    Funds lent in using Kiva
  • 25.9
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $5,925 helped Hugo Javier to build a wet processing plant.
18% repaid
Repayment Term
50 months (Additional Information)
Repayment Schedule
Apr 1, 2014
Apr 24, 2014
Currency Exchange Loss: