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Isidro Armando
Isidro is a small coffee producer in a community in Jinotega, a department in Nicaragua. He lives with his wife on his 28 hectare farm, of which 6.3 hectares are planted in coffee [1 hectare = 2.47 acres]. His four sons are also involved in coffee growing and each one has his own plot. In recent years, this producer has successfully had harvests of approximately 200 quintales [1 quintal = 100 kg] of parchment coffee, which he produces under the criteria of Fair Trade certification. In his community, he generates around 4 full time jobs during the year and during harvest time he contracts an additional 15 workers to help with cutting and cooking (preparation of food).

This producer is implementing improvements in labor conditions and labor security on his farm. As part of this, he is currently requesting a loan to build a camp on his farm so that his workers will have the necessary living condition during the coffee cutting period. This endeavor will contribute to better worker performance and greater productivity. It is also consistent with the self managed corporate social responsibility promoted by the Peoples Community Action Partnership (PAC) among its members. This small producer is also requesting funding for the maintenance of his plantations during this coffee cycle.
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Isidro es un pequeño productor de café en una comunidad de Jinotega, departamento de Nicaragua. Vive con su esposa en su finca de 28 hectáreas de las cuales 6.3 son de café. Sus 4 hijos también se dedican a la caficultura y cada uno cuenta con su propia parcela. En los últimos años, este productor ha logrado una cosecha de aproximadamente 200 quintales de café pergamino, los cuales produce bajo los criterios de certificación Fairtrade. En su comunidad él genera alrededor de 4 empleos durante todo el año, y en época de cosecha también contrata a 15 trabajadores para actividades de corte y cocina (preparación de alimentos).

Como parte de las mejoras que este productor viene implementando en su finca en materia de condiciones laborales y seguridad laboral, actualmente está solicitando un crédito para la construcción de un campamento que permita a sus trabajadores contar con las condiciones necesarias para habitar en su finca durante el período de corte de café. Esta acción contribuirá a un mejor rendimiento por parte de los trabajadores y por ende una mayor productividad, además está alineada a la responsabilidad social empresarial autogestionaria que la asociación Pueblos en Acción Comunitaria (PAC) promueve entre sus afiliados. Para este ciclo de café, este pequeño productor también está solicitando un financiamiento para el mantenimiento de sus plantaciones.

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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,418,100
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $5,925 helped Isidro Armando to build a camp for his workers.
59% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Feb 11, 2014
Mar 10, 2014
Currency Exchange Loss: