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Rafael, age 51, is a coffee farmer in a community in the Jinotega department. He lives with his wife and their three children on a farm that is 28.16 hectares. Of those, 11.26 hectares are used for growing coffee. In the last three years, his production has been from 300 to 500 ‘quintales’ [a quintal is about 100 pounds] of parchment coffee. It is certified fair trade (FLO), C.A.F.E. Practices and UTZ.

His goal is in 2019 to come to have 21 hectares of coffee with the best conditions for production. Therefore, he is requesting a loan that will allow him to invest in establishing two more hectares of coffee. He says, “You start with a little, and then you are reinvesting. This way I have been growing and plan to continue doing so in order to provide my family with better conditions”.

For this small producer the main challenges to growing coffee are the pests and diseases. However, he can cope with this with good management. He has been doing this by caring for his crops and with resources provided by the Pueblos en Acción Comunitaria association.

He is therefore requesting this loan to provide better maintenance and to manage the planting (semi-technological) and to manage improved productive yields.
View original language description ↓
Rafael tiene 51 años de edad, es un caficultor de una comunidad del departamento de Jinotega. Vive con su esposa y sus 3 hijos en una finca de 28.16 hectáreas, de las cuales 11.26 hectáreas han sido destinadas para el cultivo de café. En los últimos 3 años su producción ha sido de 300 a 500 quintales de café pergamino, la cual se encuentra bajo la certificación de comercio justo (FLO), C.A.F.E. Practices y UTZ.

Su meta para el 2019 es llegar a tener 21 hectáreas de café con las mejores condiciones para la producción. Por lo tanto, está solicitando un financiamiento que le permita invertir en el establecimiento de 2 hectáreas más de café. El dice “se comienza con poco, y luego se va reinvirtiendo, así he venido creciendo y pienso seguir haciéndolo para brindar mejores condiciones a mi familia”.

Para este pequeño productor los principales retos en el cultivo de café son las plagas y enfermedades, pero se puede hacer frente a esto con un buen manejo, lo cual ha venido realizando con la asistencia y recursos brindados por la asociación Pueblos en Acción Comunitaria.

Por lo tanto solicita un crédito para darle un mejor mantenimiento y manejo a la plantación (semitecnificado) y alcanzar mejores rendimientos productivos.

Additional Information

More information about this loan

This loan is part of PAC's program to help farmers swap out old unproductive coffee plants for new ones. New plants generally take three to five years to produce coffee at capacity, temporarily reducing crop yield. Given the length of this renewal process, loans are designed so that farmers can repay over five years with a one-year grace period. 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
  • 47
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 26.2
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $3,000 helped Rafael to establish two more hectares of coffee.
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 1, 2014
Apr 21, 2014
Currency Exchange Loss:
May 21, 2014