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Ramiro Adonay
Ramiro, 23, works very hard as a heavy machine operator in a business that builds unpaved roads. He works alone from 8 in the morning until 5 in the evening. The difficult part about his work is the bad weather because the sun affects him a lot. He is married. His wife takes care of the home and he has two children, 2 and 3 years old. In the photo he appears with his wife since the two of them are planning to improve their home.

This is why he wants the loan, to buy cement, sand, and concrete blocks.

His goal is to be able to finish building his house to live more comfortably.
View original language description ↓
Ramiro de 23 años, trabaja muy duro como chofer de maquinaria pesada en una empresa que se encarga de construir las calles no pavimentadas.

Trabaja solo desde las 8 de la mañana hasta las 5 de la tarde. La dificultad que presenta en el trabajo es el mal clima, ya que le afecta mucho el sol. Está casado su esposa se dedica a los quehaceres domésticos, tiene 2 hijos de 2 y 3 años. En la foto aparece con su esposa ya que los dos tienen planificado mejorar su vivienda por eso el quiere el prestamo para comprar cemento, arena y bloques.

Su meta es poder terminar de construir su casa para vivir más cómodos.

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

  • $10,200
    Average annual income
  • 29
    View loans »
    Ecuador Loans Fundraising
  • $22,871,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Ramiro Adonay to buy cement, sand, and concrete blocks.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 9, 2011
Listed
Nov 25, 2011
Currency Exchange Loss:
N/A
Ended:
Mar 15, 2013