Total loan: $19,800


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Tzalamtum, , Guatemala / Agriculture

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A loan helped Pay for wet cacao purchases from smallfarmers.

Adioesmac's story

The Association of Integrated Development “OX EEK” Santa Maria Cahabón (ADIOESMAC), founded in 2004, cultivates and sells cacao, cardamom, cinnamon, and chili peppers. ADIOESMAC was the first smallholder association in Guatemala to export centrally fermented cacao beans to the U.S. market. With 43 active members, ADIOESMAC processes cacao using wooden fermentation boxes and a combination of greenhouse dryers, raised bamboo decks, and drying patios. The farmers produce cacao as their primary income, and for ADIOESMAC's board, it is really important to be able to purchase wet cacao from all of them and pay as they deliver, to instill a sense of trust and reliability in their community. At the beggining of the harvest, it is hard for the association leadership to pay upon cacao delivery, as the money is limited because they have a lot of beans being processed in their facilities, but haven't yet sold it to Cacao Verapaz, their primary market. This loan will be used to be able to purchase wet cacao immediately, at the beginning of the harvest, to ensure farmers are paid and able to continue to harvest and sell, ultimately earning more income. As the association makes deliveries of processed cacao to Cacao Verapaz, they will make repayments of this working capital loan. Last year, ADIOESMAC raised working capital on Kiva, and ultimately produced 10.60 metric tons of cacao. This year, they hope to produce over 20.60 Metric Tones of cacao, increasing their income.