Javier is 35 years old. He has been a responsible father since he had his first child with his wife, who is a housewife. He has been working as a photographer at parties and events as his father taught him to take photos from an early age.
Javier has been an events photographer for 11 years, making contracts for parties, school events, weddings, etc. He has his photography studio in his home where he produces his photos and portraits. He currently has a list of regular customers who request his services. As he lives in a peri-urban area which is noted as being one of the most dangerous in Guayaquil, owing to the crime level there, he cannot do his work effectively because he has bought professional cameras for his work and thieves are always hanging around.
To continue doing his work efficiently, he would like to use his loan to buy memory sticks and frames for his photos. With another part of his money, he would like to buy cement and blocks to better build his house and make it safe. One of his goals is to have premises for his photography business and to finish building his house.
Javier de 35 años, ha sido un padre responsable desde que tuvo a su primer hijo con su esposa que es ama de casa. Ha estado trabajando como fotógrafo en fiestas y eventos ya que su padre le enseño desde que el era pequeño ha tomar fotos.
Ya tiene 11 años siendo fotógrafo de eventos haciendo contratos para fiestas, eventos de escuelas, bodas, etc. Tiene su estudio en su casa para hacer la producción de las fotos, retratos. En la actualidad ya tiene una lista de clientes fijos que le piden sus servicios. Como él vive en una zona periurbana caracterizada porque es una de las más peligrosas de Guayaquil por el índice de delincuencia no puede hacer eficazmente su trabajo ya que él ha comprado cámaras profesionales para su trabajo y los ladrones están pendientes.
Para seguir realizando su trabajo eficientemente él quiere comprar con el préstamo memorias y macos para sus fotos. Pero con otra parte del dinero quiere comprar cemento, bloques para construir mejor su casa y asegurarla. Una de sus metas es tener un local para su negocio de fotografía y terminar de construir su casa.
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.