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Joaquín is a farmer who lives in a community in northern Nicaragua. At 40 years old and with the support of his life partner and eight children, he has been able to generate the income necessary to succeed as a farmer through coffee growing.

This small farmer is part of the Fair Trade certification process, and with 3.85 hectares of coffee, he was able to produce 136 quintals of parchment coffee last cycle. He generates an average of up to four jobs per year.

This cycle Joaquín is requesting a loan to ensure the purchase of fertilizers and manures that will meet the nutrition needs of his crops and provide him with better produce. Increasing the production as well as the quality of his coffee are the goals this farmer has set to improve the viability of his farm and, with it, his family's conditions.
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Joaquín, es un productor que vive en una comunidad al norte de Nicaragua. A sus 40 años y con el apoyo de su compañera de vida y 8 hijos, ha logrado en la caficultura los ingresos económicos necesarios para salir adelante como agricultor.

Este pequeño productor está integrado al proceso de certificación de Comercio Justo, y con 3.85 hectáreas de café, logró producir en el último ciclo 136 quintales pergamino. Genera en promedio, hasta 4 empleos en el año.

Para este ciclo, Joaquín está solicitando un crédito para asegurar la compra de fertilizantes y abonos que le permita asegurar la demanda de nutrición de sus plantaciones, y con ello obtener mejores rendimientos. El incremento de su producción, así como el de la calidad de su café son las metas que este productor se ha propuesto para mejorar la productividad de su finca y con ello las condiciones 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
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,034,300
    Funds lent in using Kiva
  • 25.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Joaquin to buy fertilizers and manures.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 8, 2014
Apr 25, 2014
Currency Exchange Loss:
Mar 28, 2015