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Carmen is 58 years old. She didn’t have access to a formal education, but she did learn to read and write. She lives in a community in the northern part of Nicaragua. She works in coffee production, which is her main source of income.

For this woman, her challenge has always been to increase the yield of her farm. This year, she is asking for a loan that will allow her to improve the quantity and quality of her harvest through the purchase and timely application of fertilizers and the like.

Her happy and enthusiastic personality is something that really characterizes this entrepreneur, and it is reflected in the work that she does on her small farm. Her dream is that her farm would be considered to be a model of coffee production with a good, high-quality yield. Because of that, she works hard every day, sure that this line of work has great economic potential.
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Carmen tiene 58 años. Ella no tuvo acceso a educación formal, pero aprendió a leer y a escribir. Vive en una comunidad al norte de Nicaragua, y se dedica a la producción de café, la cual es su principal fuente de ingresos.

Para esta mujer, su reto ha sido incrementar los rendimientos de su finca. Este año, ella está solicitando un crédito que le permita mejorar la cantidad y calidad de su cosecha, mediante la compra y aplicación oportuna de insumos y fertilizantes.

Su carácter alegre y entusiasta es algo que caracteriza a esta emprendedora, lo cual se ve reflejado en el trabajo que realiza en su pequeña finca. Su sueño es que su finca sea considerada como una unidad modelo de producción de café con alto rendimiento y calidad, para ello se esfuerza cada día segura de que este rubro tiene un gran potencial económico.

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
  • 30
    View loans »
    Nicaragua Loans Fundraising
  • $26,395,725
    Funds lent in using Kiva
  • 27.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,225 helped Carmen to buy fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 5, 2014
May 25, 2014
Currency Exchange Loss:
Jun 17, 2015