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Jose Vicente
When he was very young Jose started working in order to help his family financially. He started as a painting and plastering worker. He learned a lot about decoration, and then, with dedication and persistence, he became independent.

At 36 years of age, Jose has greater obligations than he did when he was young. Therefore, he started his business of selling shoes and cosmetics by order. He spends Mondays through Fridays on painting and decoration, and on the week-ends he delivers the orders he receives.

He is not married, but he has children whom he financially supports. He has people in his business who work with him, and this increases his sales.

He will use the loan he is requesting to buy sandals and cosmetics. He will also buy tools he needs for painting. He hopes to continue both businesses in the future. That way he will be able to finish building his house.
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Jose empezó a trabajar desde muy joven para ayudar económica a su familia, empezó como oficial de pintura y empaste con lo que aprendió mucho de decoración, luego con dedicación y persistencia se independizo. A sus 36 años Jose tiene mayores obligaciones que cuando era joven por lo cual incursiono en el comercio vendiendo zapatos y cosméticos bajo pedido. Su tiempo lo tiene distribuido por lo que de lunes a viernes se dedica a la pintura y decoración y los fines de semana entrega los pedidos que recibe. No está casado pero si tiene hijos a quienes respalda económicamente, por lo cual en su negocio tiene personas que trabajan con el de esa manera aumenta sus ventas. El crédito al que está aplicando lo utilizara para la compra de sandalias y cosméticos, también comprar herramientas que necesita para pintar. Espera a futuro continuar con ambos negocios y así poder terminar la construcción de su casa.

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
  • 21
    View loans »
    Ecuador Loans Fundraising
  • $22,604,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD