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Santos is a small coffee grower. He is 32 years old and lives in a community in northern Nicaragua. On his farm, he has 2.89 hectares dedicated to growing coffee, which he produces under the Fair Trade certification process. His average coffee production over the past three years has been 100 bushels.

During this cycle, he is seeking a loan that will allow him to provide more intensive care to his coffee plantations because during the past few years, his crops have been affected by pests and diseases. He is confident that he will be able to control them by applying supplies and fertilizers in a timely manner based on an integrated management plan. In the future, Santos sees his small farm with better yields and with a larger area of coffee that will allow him to not only cover his household expenses, but to also improve his home.
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Santos es un pequeño caficultor de 32 años que vive en una comunidad al norte de Nicaragua. En su finca posee 2.89 hectáreas dedicadas al cultivo de café, el cual produce bajo el proceso de certificación de Comercio Justo. La producción promedio de café obtenida por este productor en los últimos tres años es de 100 quintales pergamino.

Para este ciclo, está solicitando un crédito que le permita darle un mantenimiento más intensivo a su cafetal, ya que en los últimos años sus plantaciones han sido afectadas por plagas y enfermedades, las cuales está seguro podrá controlar con la aplicación de insumos y fertilizantes de manera oportuna en base a un plan de manejo integral.

En un futuro, Santos ve su pequeña finca con mejores rendimientos productivos y con más área de café, que le permita además de cubrir sus necesidades mejorar su vivienda.

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
  • 38
    View loans »
    Nicaragua Loans Fundraising
  • $26,366,175
    Funds lent in using Kiva
  • 26.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Santos to provide more intensive care to his coffee plantation.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 1, 2014
Apr 22, 2014
Currency Exchange Loss:
Feb 28, 2015