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Carlos Alberto

Update on Carlos Alberto

42-year-old Carlos is married with 3 children, and was born in Esmeraldas. He currently lives in Guayaquil but misses his hometown, especially the music and delicious cocktails that mesmerize visitors. His wife Nelva is a maid, and also sells products through catalogs. Their children help with her business in her spare time.

Carlos started raising and selling chickens at home to generate more income and spend more time with his family. He works every day to feed the birds in their hatchery. His biggest concern is that during the winter, the animals need more care. This is his fifth loan, and he wishes to buy more chickens to expand his business. Carlos' goal is to buy a house in a quieter area, as he fears that their children could be influenced by crime.
View original language description ↓
Carlos es casado tiene 3 hijos. Tiene 42 años y nació en Esmeraldas. Actualmente vive en Guayaquil aunque extraña su ciudad natal sobre todo la música y deliciosos cócteles que hipnotizan a los visitantes. Su esposa Nelva es empleada domestica, también vende productos por catalogo. Sus hijos le ayudan en el negocio en sus ratos libres. La crianza y venta de pollos lo inicio por que le genera más ganancias y tiempo de pasar con su familia. Trabaja todos los días alimentando a las aves en su propio criadero. Su mayor preocupación es el invierno que los animales necesitan de mayor cuidado. Este es su quinto préstamo y desea comprar más pollos para incrementar su negocio. Su meta es comprar una casa en un sector más tranquilo ya que teme que sus hijos puedan ser influenciados por la delincuencia.

Previous Loan Details

Carlos is 42 years old; he is a hard-working man who has a business selling chickens. He began by raising pigs, and as this was very profitable, he decided to sell chickens in a small hatchery. Little by little, he has grown his business, and currently his wife helps raise the chickens. He s... More from Carlos Alberto's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Ecuador

  • $10,600
    Average annual income
  • 54
    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 $1,575 helped Carlos Alberto to buy chickens.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 21, 2012
May 3, 2012
Currency Exchange Loss:
Apr 18, 2013
This photo was used before for a previous loan for Carlos Alberto. It was first posted on Kiva on Sep, 2011. Learn More