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Justo Leocadio
Justo is a small producer in the rural community of Jinotega, making a living by growing coffee for more than 25 years. His ranch is 10 manzanas (about 17.2 acres), five of which are for coffee. Justo's average annual production in the last three years has been 90 quintales (about 9,000 pounds) of Pergamino (with the outer husk) coffee. His coffee is Fair Trade, UTZ and C.A.F.E Practice certified.

Until now, Justo has confronted difficulties in the post-harvest management of his coffee because he does not have the necessary conditions to carry out this process. Therefore, this year he is requesting medium-term funding that would let him build a wet coffee processing plant for the appropriate management of his coffee. This will assure better quality and reduce losses during processing. This investment will allow Justo to process his coffee on his ranch, increase yield and obtain better income in order to improve conditions for his family. In addition to this investment, he is requesting another short-term loan for the management of his plantations in the current season.
View original language description ↓
Justo es un pequeño productor en una comunidad rural de Jinotega, dedicado a la caficultura desde hace más de 25 años. Su finca es de 10 manzanas, de las cuales 5 son de café. Su producción anual promedio en los últimos tres años ha sido de 90 quintales de café pergamino. Cuenta con las certificaciones de Fairtrade, UTZ y C.A.F.E. Practices.

Hasta ahora él ha venido enfrentando dificultades en el manejo post-cosecha de su café ya que no cuenta con las condiciones necesarias para realizar este proceso. Por lo tanto, este año está solicitando un financiamiento a mediano plazo, que le permita construir un beneficio húmedo para el manejo adecuado de su café, con lo cual asegurará una mayor calidad y disminuirá las pérdidas durante el procesamiento. Esta inversión le permitirá a Justo procesar su café en su finca, incrementar los rendimientos y obtener mayores ingresos para mejorar las condiciones de su familia. Adicional a esta inversión, él está solicitando otro financiamiento a corto plazo para el mantenimiento de sus plantaciones en el presente ciclo.

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
  • 56
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $5,950 helped Justo Leocadio construct a wet coffee processing plant.
Repayment Term
74 months (Additional Information)
Repayment Schedule
Feb 19, 2014
Mar 10, 2014
Currency Exchange Loss:
Apr 9, 2014