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Jose Esteban
Jose Esteban is a small producer in Jinotega. He and his wife have two children. He works with a small area of coffee plants of 0.52 hectares, in which he has worked the past few years. His farm is well diversified, and in addition to coffee he also grows potatoes and basic grains. He previously worked in horticulture, but he decided to change his work due to the harmful chemicals used for pest control.

Currently, Jose Esteban is requesting a loan for the purchase of fertilizers that would allow him to improve the nutrition of his coffee plants, and with which he could obtain better results from the next harvest cycle for the well-being of his family.
View original language description ↓
José Esteban es un pequeño productor de una comunidad de Jinotega. Tiene dos hijos junto a su esposa. Cuenta con una pequeña área de café de 0.52 Ha. La cual ha trabajado en los últimos años. Su finca está bien diversificada ya que además de café cultiva malanga y granos básicos. Anteriormente se dedicó a la horticultura, pero debido a los químicos nocivos que utilizaba para el control de plaga; decidió cambiar de actividad.

Actualmente, José Esteban está solicitando un crédito para la compra de abonos y fertilizantes que le permitan mejorar la nutrición de su cafetal, y con lo que podrá obtener mejores resultados en la cosecha del próximo ciclo agrícola, para el bienestar de su familia.

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
  • 56
    View loans »
    Nicaragua Loans Fundraising
  • $26,430,500
    Funds lent in using Kiva
  • 26.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Jose Esteban purchase fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 1, 2014
Apr 23, 2014
Currency Exchange Loss:
Mar 28, 2015