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Andres Del Carmen
Andrés is a small coffee producer who lives in northern Nicaragua with his wife and four children. He has worked in the coffee industry since childhood, and for ten years has had his own 5-acre coffee farm. In the last three years, Andrés has generated two jobs in his community, and achieved an average of 160 pounds of parchment coffee per cycle.

The main challenges for Andrés are pests and diseases, which he is sure will affect the maintenance of his crop. Because of this, Andrew is requesting a loan to buy supplies and pay for labor costs for the maintenance of his coffee, and thus ensure a good harvest for the 2014-2015 cycle.

The goal of Andrés is to increase his coffee area in the short term, as he is sure that coffee is a profitable item that generates currency for the country.
View original language description ↓
Andrés es un pequeño productor de café que vive en la zona norte de Nicaragua, junto a su esposa y sus cuatro hijos. Desde pequeño ha trabajado en la caficultura, y desde hace diez años cuenta con su propia finca en la cual tiene 5 hectáreas de café en producción. En los últimos tres años este productor ha generado 2 empleos en su comunidad, y ha logrado un promedio de 160 quintales de café pergamino por ciclo.

El principal desafío para este pequeño productor son las plagas y enfermedades que afectan el café, las cuales está seguro logrará controlar con el adecuado manejo de sus plantaciones. Para esto, Andrés está solicitando un crédito que le permita garantizar los insumos y la mano de obra necesaria para el mantenimiento de su café, y asegurar de esta forma una buena cosecha para el ciclo 2014-2015.

La meta de este productor es incrementar su área de café en un mediano plazo, ya que está seguro que el café es un rubro rentable, de otra forma, afirma que, el café no sería uno de los principales rubros que genera divisas al país.

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
  • 61
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 26.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,925 helped Andres Del Carmen to buy supplies and pay labor costs for the maintenance of coffee.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 2, 2014
Apr 21, 2014
Currency Exchange Loss:
Feb 28, 2015