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Julio Vicente
Julio, 35, lives in Libertad. He used to be a bricklayer’s helper but when he realized that he needed to support his household with a business he started becoming independent and having his own soft-drink business. He works from Monday to Sunday from ten in the morning until 6 in the evening. His wife helps with the household chores and together they strive daily to move their family forward.

He wants to use the loan to buy coconut drinks to sell. His dream is to rent a locale in order to sell at wholesale and to have employees but to do so needs to buy more raw materials to make the drinks.
View original language description ↓
Julio vive en Libertad, tiene 35 años. El era ayudante de albañil pero al darse cuenta que era necesario sostener su hogar con un negocio comenzo a independizarce y tener su propio negocio de venta de refrescos.

El realiza su trabajo de lunes a domingo de 10 de la mañana hasta las 6 de la tarde vendiendo jugos de coco, su mayor dificultad es no contar con un local para comercializar sus jugos.

Está casado tiene dos hijos que estudian en una escuela fiscal y su esposa ayuda en los quehaceres de la casa.Juntos se esfuerzan día a día para sacar adelante a su familia.

Con el prestamo quiere comprar bebidas de cocos para vender. El sueño del cliente es alquilar un local y vender al por mayor y tener sus empleados pero con esto requiere de comprar mas materia prima para la preparación de los jugos.

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
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $24,616,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Julio Vicente to buy raw materials to make coconut juice.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 19, 2013
Feb 21, 2013
Currency Exchange Loss:
Feb 25, 2014