Carlos is 32-years-old. He lives along the Perimetral highway in Guayaquil (in a suburban area surrounded by a salt marsh). He has a small general store.
With part of the money from a liquidation sale he bought supplies and rented a shop to start his business. Some of the money was stolen but he continued working in order to have his own store. Little by little he was able to buy more supplies and locate the store in in his mother-in-law's house. He sells all types of products, such as sugar, rice, dairy products, etc. He opens very early and closes at nightfall.
With this loan he wants to buy more merchandise such as oil, rice, canned goods, and drinks to stock the store and provide a higher quality of life for his wife and two children of 13 and 10-years-old. In the future he wants to build his own home and grow his business.
Carlos de 32 años, vive en la Perimetral de Guayaquil (zona periurbana, a su alrededor tiene el estero salado), tiene una pequeña tienda de víveres.
Con una parte del dinero de una liquidación que le dieron el compro víveres y alquilo un local para ubicar una pequeña tienda, la otra parte se la robaron pero continuo trabajando para tener su propio local. Poco a poco pudo comprar mas víveres y ubicar la tienda en la casa de su suegra. Vende todo tipo de productos como azúcar, arroz, lácteos etc. Desde muy temprano abre la tienda hasta el anochecer.
Con el préstamo quiere comprar víveres como aceite, arroz, enlatados, bebidas para surtir mas la tienda y dar una mejor vida a su esposa y dos hijos de 13 y 10 años. En el futuro quiere construir su propia casa y incrementar el negocio.
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.