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Luis Alberto
Luis lives in a rural area in the north of Nicaragua. Being far from any urban area, access is difficult. Luis makes a living producing coffee.

Luis is an entrepreneur who believes that adversities are just part of a process of prospering and making his little business better. Working with a Fairtrade certificate has helped Luis to improve production and management of his coffee, and this has resulted in an increase in the quality and price of his coffee.

In recent years, Luis has increased production by 50%. This has motivated him to continue improving his farm and production. As part of these improvements, Luis is applying for a loan to look after his coffee. He is also applying for a loan in order to buy a coffee pulper and to build a coffee processing plant. This will help Luis to reduce his capacity losses and to improve the quality of his coffee. Luis is confident that these improvements at his farm will allow him to earn a higher income this quarter. This will help him to continue re-investing in his farming and improving his family's living conditions.
View original language description ↓
Luis vive en una zona rural al norte de Nicaragua, la cual además de ser distante del casco urbano es de difícil acceso. Se dedica a la producción de café, como principal actividad económica.
El es un emprendedor que considera que las adversidades son parte del proceso para mejorar y sacar adelante su pequeña empresa. Trabajar bajo los criterios de certificación de Comercio Justo, le ha ayudado a mejorar los procesos de producción y manejo de su café, y con ello a incrementar la calidad y el precio del mismo.
En los últimos años ha alcanzado hasta un 50% en el aumento de su producción; esto ha motivado a Luis a seguir mejorando su finca y producción de café. Como parte de estas mejoras, él además de estar solicitando un crédito para el mantenimiento de su café, en este caso también está solicitando financiamiento para adquirir una despulpadora y construir un beneficio de café que le permita beneficiar su café, lo cual le ayudará a disminuir la pérdida por rendimiento y mejorar la calidad de su café. Con estas mejoras, en su finca Luis confía en que podrá tener mayores ingresos en este nuevo ciclo lo cual le ayudará a seguir reinvirtiendo en su finca y mejorar las condiciones de 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
  • 95
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 27.2
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $2,100 helped Luis Alberto to buy a coffee pulper and to build a coffee processing plant.
7% repaid
Repayment Term
86 months (Additional Information)
Repayment Schedule
Apr 4, 2014
May 14, 2014
Currency Exchange Loss: