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Oswaldo Arturo
Oswaldo, 40, is an informal clothing merchant in the towns. He lives in a neighborhood called “Esmeraldas Chiquita” (Little Emeralds) located around South Guayaquil’s estuary.

He started selling clothes in his own neighborhood to support his family but because he wanted to increase his income he started to travel to the towns to offer his clothes there. He sells blouses for $5.00, undershirts for $7.00 and dress sets for $10.00.

To continue in his work he wants to buy more merchandise like: blouses, undershirts and dresses. In the future he’d like to improve the construction of his house.
View original language description ↓
Oswaldo de 40 años, es vendedor informal de ropa en los pueblos, vive en un sector llamado “Esmeraldas Chiquita” ubicado alrededor del estero salado del Sur Guayaquil.

Para poder mantener a su familia el comenzó como vendedor de ropa en el sector donde vive pero como quería mas ingresos comenzó a viajar a los pueblos y promocionar la ropa. Las blusas las vende a $ 5.00, camisetas a $ 7.00, conjuntos de vestidos $ 10.00.

Para continuar con su negocio el quiere comprar mas mercadería como blusas, camisetas y vestidos. En el futuro el quiere construir mejor su casa.

Additional Information

About Banco D-MIRO

Banco D-MIRO is a microfinance institution that serves the most vulnerable sectors of Ecuador’s economy. It offers very small loan sizes without requiring collateral, expanding access to borrowers who would not otherwise be able to access capital to start and grow their own businesses. It also specifically targets borrowers who are excluded from formal financial systems due to race, ethnicity, gender, disability or illness.

About Ecuador

  • $10,600
    Average annual income
  • 93
    View loans »
    Ecuador Loans Fundraising
  • $25,028,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $950 helped Oswaldo Arturo for clothing.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 12, 2010
Aug 30, 2010
Currency Exchange Loss:
Oct 15, 2011