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Eduardo is a farmer in the northern area of Nicaragua. His farm is 28 hectares, of which 12 are dedicated to coffee. In the last few years, he has succeeded in having a harvest of approximately 50,000 pounds of “pergamino” coffee, which he produces under processes certified by Fair Trade, UTZ, and C.A.F.E standards. This small farmer has been improving his farm and, as part of this effort, he has proposed an investment in the construction of a camp to guarantee good conditions for his workers.

One of the main challenges that confronts this farmer is controlling coffee infestations and diseases, such as fruit rot, which causes spots on the leaves and fruits. To guarantee a plan for managing the infestations and diseases in his farm, this small farmer is requesting a loan that will permit him to acquire supplies and fertilizers to agronomically manage the coffee. This will permit him to increase production by 20%, equal to 10,000 more pounds of coffee. All of this will result in better income to reach sustainability and reinvestment for his farm.
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Eduardo es un productor de la zona norte de Nicaragua. Su finca es de 28 hectáreas de las cuales 12 son de café. En los últimos años ha logrado una cosecha de aproximadamente 500 quintales de café pergamino, los cuales produce bajo procesos de certificación: Fairtrade, UTZ y C.A.F.E. Practices. Este pequeño productor ha venido mejorando su finca y como parte de este plan se ha propuesto la inversión para la construcción de un campamento para garantizar buenas condiciones a sus trabajadores.

Uno de los mayores retos que enfrenta este productor en su finca es el control de las plagas y enfermedades del café, tales como la antracnosis la cual provoca manchas en las hojas y frutos. Para garantizar un plan de manejo integrado de plagas y enfermedades en sus plantaciones, este pequeño productor está solicitando para este ciclo un financiamiento que le permita la adquisición de insumos y fertilizantes para el manejo agronómico del café, lo cual le permitirá además incrementar la producción en un 20% equivalente a 100 quintales más de café. Todo esto derivará en mejores ingresos para alcanzar la sostenibilidad y reinversión en su finca.

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
  • 54
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $3,975 helped Eduardo to acquire supplies and fertilizers.
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 11, 2014
Mar 10, 2014
Currency Exchange Loss:
Apr 9, 2014