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Julio Cesar
Julio began his business as a small-scale fisherman, thanks to a region he was given by his father to fish, and in this way, he grew economically and helped out his family. After a time, he learned diving and he began to rent out diving equipment, continuing to fish for octopus and lobster. Now at age 60, he leads tourist voyages and sport fishing working at different hours alongside his eldest son, who really likes his profession. He lives in Libertad with his wife, who is the keeper of the household. One of his greatest worries is about his age and his health, and because he is not insured, he worries about the robbers who sometimes take the motors from boats.

With this loan, Julio hopes to buy nets, fishing equipment for rentals, and to do maintenance on his boat. In the future, he wants to buy another boat made of fiberglass and a stronger motor.
View original language description ↓
Julio empezó su vida comercial como pescador artesanal gracias a una pampa que recibió de parte de su padre, de esta manera pudo crecer económicamente y salir adelante con su familia. Pasado un tiempo aprendió el buceo por lo que empezó con el alquilar de equipos de buceo continuando con la pesca del pulpo y langosta. Ahora a sus 60 años realiza viajes turísticos y pesca deportiva trabajando en diferentes horarios junto a su hijo mayor a quien le gusta mucho esta profesión. El vive en Libertad junto a su esposa quien es ama de casa, uno de sus mayores preocupaciones por su edad es las enfermedades por lo que no está asegurado, en su negocio es a los ladrones quienes normalmente roban los motores de las lanchas. Con el préstamo Julio espera poder comprar redes, artículos de pesca para alquilar y darle mantenimiento a su lancha. Espera a futuro comprar otra lancha de fibra y un motor más potente.

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
  • 45
    View loans »
    Ecuador Loans Fundraising
  • $24,295,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Julio Cesar to buy nets and fishing items.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 25, 2012
Aug 4, 2012
Currency Exchange Loss:
Aug 20, 2013