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Hector Anibal
Hector E. is 56 years old and lives around an urban area with two basic services, water and electricity but without sewage. His home is located in Paraiso de Guayaquil. He has two children, one is 20 years and goes to college and the other is 10 years old and goes to a private school.

He initiated his business 3 years ago, motivated to create more income for his family. In the morning he purchases things for the store such as ice cream, ice, oranges, etc; meanwhile Hector's kids are in charge of the store from 8AM to 11PM. One of the major complications he has is dealing with competition in his area along with crime.

With this loan, he would like to purchase a display case, rice, oils, and beverages to increase his business. In the future he would like to fix his home and build an apartment to rent out and have another form of income for his family and to also increase the business.
View original language description ↓
Hector E. de 56 años de edad, vive en una zona peri urbana con dos servicios básicos agua y luz sin alcantarillado, su casa esta ubicada en Paraíso de Guayaquil, tiene dos hijos uno de 20 años que está en la Universidad y uno de 10 años que estudia en una escuela particular.

Comenzó su negocio hace tres años con la motivación de tener mas ingresos para su familia, en la mañana deja comprado las cosas para la tienda como helado, hielo y naranjas etc, en la que Hector sus hijos se encarga de la tienda 08h00 hasta las 23h00, una de las mayores complicaciones que tiene es la competencia en su sector y la delincuencia.

Con el préstamo quiere comprar una vitrina, arroz, aceites, colas para incrementar su negocio, en el futuro quiere arreglar su casa para hacer un departamento para alquilarlo y tener otro ingreso para su familia y agrandar mas el negocio.

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
  • 52
    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 Hector Anibal to purchase a showcase, rice, oils, sodas.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 12, 2011
May 10, 2011
Currency Exchange Loss:
May 15, 2012