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Nelson José

Update on Nelson José

Nelson is a 30-year-old producer who lives with his wife and four-year-old daughter in a community in northern Nicaragua. On his small farm, he cultivates basic grains for personal consumption, but he also has 8.6 hectares set aside for growing coffee. During the last crop cycle, he was able to produce 230 quintals (1 quintal = 100 kg) of coffee beans in parchment.

For this young man, weather changes in recent years have brought about more incidents of coffee pests and diseases. He tackles these challenges with good farm management and by replacing his plants.

In order to guarantee adequate maintenance of his coffee crops, Nelson is requesting a loan that will secure the purchase of supplies and the payment of farm labor that is demanded of this crop. In the end, he expects to achieve an increase in output and quality from this current production cycle.

Nelson is confident in his work and wants to excel by increasing his earnings. This will allow him to improve his home and provide a good education for his daughter.
View original language description ↓
Nelson es un productor de 30 años que vive junto a su esposa y su pequeña hija de 4 años en una comunidad de la zona norte de Nicaragua. En su pequeña finca siembra granos básicos para autoconsumo, y cuenta con 8.6 hectáreas de café, de las cuales obtuvo una producción de 230 quintales de café pergamino en el último ciclo.

Para este joven, los cambios climáticos en los últimos años han venido generando mayor afectación de plagas y enfermedades en el café, lo cual ha enfrentado con un buen manejo agronómico y la renovación de plantas.

Con el fin de continuar garantizando el mantenimiento adecuado de sus plantaciones de café, Nelson está solicitando un crédito que le permita asegurar la compra e implementación de los insumos y labores culturales que demanda este cultivo, a fin de lograr mejores rendimientos y calidad en el ciclo productivo actual.

El está seguro que su trabajo y deseo de superación le permitirá incrementar sus ingresos, y con ello mejorar su vivienda y darle una buena educación a su hija.

Previous Loan Details

Nelson is a 30-year-old coffee producer who lives with his wife and their small four-year-old daughter in a community in northern Nicaragua. On his small farm he grows basic staples for his family's consumption, and has 8.6 hectares of coffee, from which he obtained an output of 230 quintales of ... More from Nelson José's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Nicaragua

  • $4,800
    Average annual income
  • 75
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 26.2
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $2,925 helped Nelson José to buy supplies and pay for the necessary labor in order to maintain his coffee crop.
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 2, 2014
Apr 22, 2014
Currency Exchange Loss:
May 22, 2014