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Ever Erasmo
Ever sells clothing in his birthplace Libertad. He began as a street vendor several years ago. He chose this work because there were few opportunities for employment. With his sales, he managed to acquire a stall in the city market, so he no longer has to make rounds. He usually works by himself, but he hires an assistant at an hourly wage when there is a fair. At his stall, he sells blouses, shirts, t-shirts, jeans, and warmups because they are the items his customers request most often.

One of his greatest worries is crime. Sometimes, a lot of people gather in the stall, and he can't see well. Thieves take that opportunity to steal. He hopes to obtain this loan since he wishes to buy more merchandise to sell and to grow his business and even open a stall in another city.
View original language description ↓
Ever tiene en su ciudad natal Libertad una venta de ropa la cual empezó de manera ambulante hace varios años. Escogió esta actividad debido a las pocas oportunidades que se le presentaron para conseguir empleo y fue gracias a sus ventas que logro adquirir un local en el mercado municipal por lo que ya no necesita hacer recorridos. La atención la realiza solo y cuando hay feriado contrata a un ayudante pagando sus servicios por hora. En su local oferta blusas, camisas, camisetas, jeans, calentadores ya que es lo que más solicitan sus clientes. Una de sus mayores preocupaciones es la delincuencia ya que a veces hay mucha gente y se aglomeran lo que llena el local y pierde visión, es en ese momento que los ladrones aprovechan para robar. Espera obtener el crédito ya que desea comprar mas mercadería para la venta esperando a futuro crecer hasta conseguir abrir una sucursal en otra ciudad.

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
  • 76
    View loans »
    Ecuador Loans Fundraising
  • $25,019,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,575 helped Ever Erasmo to buy blouses, shirts, t-shirts, jeans, and warmups.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 18, 2012
Aug 27, 2012
Currency Exchange Loss:
Sep 26, 2012