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Cesar Galo
Cesar is 45 years old, a bookseller, and lives in Las Orquídeas in Guayaquil (an urban area called Las Orquídeas – the orchids – because there were a lot of orchid flowers when it was discovered).

A friend of Cesar’s family suggested to him that to earn more, he should sell magazines and university textbooks. When he gathered the sufficient funds, he bought books and magazines to sell. He currently sells every day from 8am to 6pm, traveling the streets and selling to his acquaintances and friends. Now, he has a client list of 150 that buy his books at approximately $50.00 and up.

With the loan, he wants to buy all types of books so that his customers have more variety when they buy. In the future, he wants to be leading supervisor of a group of book salesmen.
View original language description ↓
Cesar de 45 años, es vendedor de libros y revistas. Vive en las Orquídeas de Guayaquil (zona urbana, llamada las orquídeas porque en su descubrimiento habían muchas flores orquídeas).

Una amiga de la familia de Cesar le sugirió que para tener mejores ingresos vendiera revistas y libros universitarios, cuando reunió el capital suficiente compro libros y revista para vender. En la actualidad vende desde las 08h00am hasta las 18h00pm todos los días recorriendo las diferentes calles y vendiendo a sus conocidos y amigos. Por ahora tiene una cartea de 150 clientes que le compran libros en un precio aproximado de $50.00 en adelante.

Con el préstamo quiere comprar libros de todas las clasificaciones para que sus clientes tengan mas variedad al comprar. En el futuro quiere ser supervisor de liderar un grupo de vendedores de libros.

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
  • 57
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Cesar Galo textbooks and magazines.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Oct 15, 2010
Oct 29, 2010
Currency Exchange Loss:
Feb 15, 2012