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Jose Francisco
José Francisco is a coffee producer in the Jinotega area. He has approximately 3 hectares of coffee where he has been able to produce 160 quintals of parchment coffee in the last growing cycle which is fair trade certified.

His biggest challenge in this occupation has been pests and plagues that affect his crop. He has been able to keep these under control with adequate maintenance of his plants. This small producers states that "working under the fair trade regulations and carrying out with diligence the recommendations made by consultants are what have allowed me to continue improving the coffee farm".

This time José Francisco is requesting a loan to buy farming supplies which which he will improve the nutrients and production of his plants. This will improve the profitability of his crop.
View original language description ↓
José Francisco, es un productor de café de la zona de Jinotega. Posee aproximadamente 3 hectáreas de café, de las cuales logró obtener una producción de 160 quintales de café pergamino en el último ciclo, el cual está certificado por Comercio Justo.

Su mayor desafío en esta actividad han sido las plagas y enfermedades que afectan este cultivo, las cuales ha logrado mantener bajo control con el mantenimiento adecuado de sus plantaciones. Este pequeño productor menciona que “trabajar bajo las normas de Comercio Justo y cumplir con diligencia las recomendaciones que le brindan los técnicos, es lo que le ha permitido ir mejorando su cafetal”.

Para este ciclo, José Francisco está solicitando un financiamiento para la compra de insumos agrícolas con los que mejorará la nutrición y producción de sus plantas, y con ello la rentabilidad de su cultivo.

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.


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About Nicaragua

  • $4,800
    Average annual income
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 25.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,750 helped Jose Francisco to buy farming supplies to improve the nutrients and production of his plants.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 1, 2014
Apr 25, 2014
Currency Exchange Loss:
May 17, 2015