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Jose Isidro
José is 59 years old and lives in Quevedo. He makes and sells bricks, and started his business with a small capital investment and learned the trade from his brother-in-law.

Manufacturing the bricks involves a series of standard processes ranging from the choice of material to the final packaging process. The raw material for production of bricks is clay. Because of clay's ability to absorb moisture, when hydrated it gains sufficient plasticity to be shaped, which is very different from when it is dry and gains an earthy appearance. After this comes the stage of hardening, drying, or cooking, where the clay gains a remarkable strength with reduced mass due to water loss. In summary, the process is as follows: maturation, storage of the processed raw material, humidification, molding, drying, cooking, storage. Exposure to air, rain, sun, and ice accelerates the decomposition of organic matter.

This work requires a lot of physical strength, which is why José has a hernia and problems with his spine. José's wife is a housewife and has 6 children who attend public school. With this loan, he will purchase clay to increase production, and finish his home.
View original language description ↓
José tiene 59 años y vive en Quevedo. Se dedica a la elaboración y venta de ladrillos. Inicio su negocio con un capital pequeño aprendiendo la actividad de un cuñado. José nos comenta que en la elaboración se llevan a cabo una serie de procesos estándar que comprenden desde la elección del material arcilloso, al proceso de empacado final. La materia prima utilizada para la producción de ladrillos es la arcilla. Debido a la característica de absorber la humedad, la arcilla, cuando está hidratada, adquiere la plasticidad suficiente para ser moldeada, muy distinta de cuando está seca, que presenta un aspecto terroso. Lego de esto viene la fase de endurecimiento, por secado, o por cocción, el material arcilloso adquiere características de notable solidez con una disminución de masa, por pérdida de agua. En resumen el proceso es el siguiente. Maduración, depósito de materia prima procesada, humidificación, moldeado, secado, cocción, almacenaje. La exposición al aire, lluvia, sol, hielo favorece a la descomposición de la materia orgánica que pueda estar presente. Este trabajo requiere de mucha fuerza física por ese motivo José tiene problemas de hernia y de columna. A eso tambien se le suma que sufre problemas de presion ya que al momento de la cocion necesita manipular el horno el cual tiene que estar en una temperatura alta y adecuada para el preceso, como podemos ver en la imagen. Su esposa es ama de casa y tiene 6 hijos quienes asisten a la escuela fiscal. Con el préstamo comprar materia prima para aumentar su producción para poder terminar su vivienda.

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

  • $10,200
    Average annual income
  • 39
    View loans »
    Ecuador Loans Fundraising
  • $23,146,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $850 helped Jose Isidro to purchase clay.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 18, 2012
Listed
Jun 4, 2012
Currency Exchange Loss:
N/A
Ended:
Apr 18, 2013