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Jose Esteban
Jose, a 31-year-old, has been a coffee producer and farmer for the last 10 years. He is the father of three children, who he raises with his wife, and to whom he passes on his devotion and dedication to coffee growing; but he also impresses upon them the importance of studying to earn an education that will help them develop in the workplace.

Having followed the technical advice he gets from the technical team that supports him, Jose has managed to increase his harvest by up to 20% from year to year.

His goal is to continue the improvements, so for this cycle he is requesting a loan to purchase the necessary inputs to improve the nutrition of his coffee plants, and advance towards the goal he has set.

His dream is to have a modern first-world coffee farm, and achieve the high quality that would allow him to break into the gourmet-drink market.
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José es un productor de 31 años de edad y caficultor desde hace 10 años. Padre de tres menores; a los que cría junto a su esposa, y a quienes transmite su entrega y dedicación a la caficultura; pero también la importancia de estudiar para tener una educación que les ayude a desarrollarse en el ámbito laboral.

Con el cumplimiento de las recomendaciones técnicas que recibe de parte del equipo técnico que lo apoya, ha logrado que su cosecha se incremente hasta en un 20% año con año. Su meta es continuar mejorando, por lo que para este ciclo está solicitando un financiamiento para comprar los insumos necesarios para mejorar la nutrición de su cafetal, y avanzar en dirección a la meta que se ha propuesto.

Su sueño es contar con una finca de café de primer mundo, logrando una alta calidad que le permita introducirse en el mercado de las bebidas gourmet.

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
  • 96
    View loans »
    Nicaragua Loans Fundraising
  • $24,742,900
    Funds lent in using Kiva
  • 26.0
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $3,275 helped Jose Esteban buy the necessary inputs to improve the nutrition of his coffee plantation.
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Jun 16, 2014
Jul 11, 2014
Currency Exchange Loss:
Aug 10, 2014