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Xavier Benito
Xavier, 38, is a carpenter. He lives in the Ecuadorean city of Guayaquil (in an urban area where the majority of the inhabitants own informal businesses).

Xavier started training as a carpenter 12 years ago by working in various carpentry shops, but he only learned the intricacies of the trade when his father began taking him around so that he could watch and learn all of the different steps required to make furniture. Once he had a family of his own, Xavier decided to set up his own carpentry shop. He now works with his father and brother in a shop that has become a family business.

Xavier's house is very run-down, so he's applying for a loan to buy cement, gravel and cement blocks for a construction project to improve the house. He wants to build a better future for his children.
View original language description ↓
Xavier de 38 años, es ebanista y vive en el Suburbio de Guayaquil(zona urbana, la mayoría de habitantes son comerciantes informales).

Desde los 12 años el empezó aprender a ser ebanista en varios talleres, pero como no le enseñaban detalladamente el papa le comenzó a enseñar llevándolo a los talleres para explicarle cual era el proceso de hacer un mueble. Cuando creció y para poder mantener a su familia opto por tener su propio taller de ebanista. En la actualidad trabaja desde las muy temprano con sus hermanos y papa, su taller se convirtió en un negocio familiar.

El espacio donde viven es muy reducido por eso el quiere el préstamo para comprar cemento, piedras y bloques para construir mejor su casa. En el futuro quiere terminar de construir su casa y darle un buen futuro a sus hijos.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Ecuador

  • $10,600
    Average annual income
  • 70
    View loans »
    Ecuador Loans Fundraising
  • $24,619,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Xavier Benito buy cement, etc. for construction project.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 4, 2010
Oct 29, 2010
Currency Exchange Loss:
Sep 15, 2011