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Freddy Ariel
Freddy is 26 years old and a coffee grower. With much efforts of his own and his family, he studied until high school. This producer lives on his small farm in the community of Jinotega, in the north of Nicaragua. He has worked in the production of basic grains, but due to the low profits of this work, and knowing the potential of the region where he lives to produce coffee, he decided to sew coffee five years ago.

This producer has a passive and friendly character, with a great sense of responsibility. He has 0.7 hectares of coffee crops. He has the challenge of increasing the productive performance of his land. For this he has set a goal to implement a plan of improving the maintenance of his farm, for which he is requesting a loan for the acquisition of agricultural supplies that will help him reach his goal.

His dream is to increase the area of coffee, a crop that has been useful in recent years. Furthermore, he hopes to form a family, for which he can provide a house with better conditions than the ones he had access to. He also hopes his children can study in a university.
View original language description ↓
Freddy, es un pequeño caficultor de 26 años de edad. Con mucho esfuerzo propio y de su familia, logró estudiar hasta quinto año secundaria. Este productor vive en su pequeña finca en una comunidad de Jinotega, al norte de Nicaragua. El se ha dedicado a la producción de granos básicos, pero debido a la baja rentabilidad de este rubro y conociendo el potencial de la zona donde vive para producir café, se decidió a sembrar café desde hace más de 5 años.
Este productor de carácter pasivo, amable y con un gran sentido de la responsabilidad, cuenta con 0.7 hectárea de café y tiene el reto de aumentar los rendimientos productivos de su plantación. Para esto se ha puesto como meta implementar un plan de mejoramiento en el mantenimiento de su finca, para lo cual solicita un crédito para la adquisición de insumos agrícolas que le ayuden a conseguir su meta.
Su sueño es incrementar el área de café, rubro en el que ha tenido utilidades en estos años, y además formar una familia a la cual le pueda brindar una casa con mejores condiciones a las que le tuvo acceso, además de que sus hijos puedan llegar a estudiar en la universidad.

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
  • 72
    View loans »
    Nicaragua Loans Fundraising
  • $25,756,600
    Funds lent in using Kiva
  • 27.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Freddy Ariel to buy agricultural supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 1, 2014
May 11, 2014
Currency Exchange Loss:
Feb 28, 2015