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Kleber Joel
Kleber lives in Quevedo in a civil marriage. He has two 13-year-old sons. They are twins and they study in a public school in the area. Kleber was taught the profession of baking when he was very young. At age 10 he was already making bread in his brother-in-law’s bakery. This is why his whole life is dedicated to that.

Now that he is an adult, he has his own bakery. His dream is to buy a house and that his business grows even more because he works alone from 7:00 a.m. until 3:00 p.m. from Monday to Sunday. One of his difficulties is that he is missing tools, and since he works alone it is very tiring. This is why with the loan Kleber wants to buy flour, shortening, butter, baking pans, etc.
View original language description ↓
Kleber vive en Quevedo de estado civil casado, tiene 2 hijos de 13 años son gemelos y estudian en una colegio público del sector. A Kleber le enseñaron la profesión de panadero desde que era muy pequeño a los 10 años el ya elaboraba pan en la panadería de su cuñado por eso toda su vida sea dedicado a eso ahora que es mayor de edad el tiene su propia panadería. Su sueño es comprarse una casa y que su negocio crezca aun más porque él trabaja solo de 7:00 am hasta 15:00pm de lunes a domingo .Una de sus dificultades es que le falta herramienta y como él trabaja solo es muy cansado para el por eso , Con el préstamo Kleber quiere comprar harina, manteca , mantequilla, moldes etc.

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
  • 78
    View loans »
    Ecuador Loans Fundraising
  • $24,585,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Kleber Joel to buy flour, shortening, butter, baking pans, etc.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 19, 2012
Nov 3, 2012
Currency Exchange Loss:
Aug 17, 2013