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This client lives in Guayaquil and is 56 years of age. He started his business a long time ago with his brother, who taught him this line of work. After he gradually learned the trade, he was able to obtain his own business of installing ceramic tiles.

He and his son work together every day from 8:00 A.M. to 4:00 P.M. His wife sells cosmetics, but she only works two days and does not earn much money for their children’s education and the household expenses. Their two children attend a state school. On the weekends when school is not in session, they help their father with his work so that they can all get ahead.

With this loan, he will buy more tools for his business such as hammers, rulers, and ceramic tiles. This will help him to obtain more work and also make improvements to his home. As a result, he can improve his family’s welfare.
View original language description ↓
El cliente vive en Guayaquil, tiene 56 años de edad. El empezó su negocio desde hace mucho tiempo con el hermano que le enseño esta actividad y el poco a poco fue aprendiendo hasta lograr obtener su propio negocio de instalador de cerámica.

Esta labor la realiza junto a su hijo todos los días desde las 8:00 de la mañana hasta las 4:00 de la tarde, la esposa trabaja en la venta de cosméticos pero el trabajo que realizan los dos no genera mucho dinero para la educación de sus hijos y en los gastos del hogar.

Sus dos hijos estudian en una escuela fiscal y los fines de semana cuando no van a la escuela ellos les ayudan a su papa en su trabajo juntos hacen esta labor para salir adelante.

Con el préstamo quiere poder comprar más herramientas para su negocio como martillos, reglas, ceramica y así pode tener mas trabajo y mejorar su vivienda. Para así darle un mejor bienestar a su familia.

Additional Information

More information about this loan

This loan is for a Kiva borrower living with a disability. These borrowers face high barriers to obtain loans due to their health condition. Kiva Field Partner Banco D-MIRO combines their loan with free health and life insurance to help borrowers generate the capital necessary to develop and run a business.  

Due to potential safety risks facing disabled borrowers and the need to protect their privacy, the faces of borrowers from Banco D-MIRO may be blurred in photos.

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
  • 80
    View loans »
    Ecuador Loans Fundraising
  • $25,065,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,325 helped this borrower to buy hammers, rulers, and ceramic tiles.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Feb 6, 2013
Mar 18, 2013
Currency Exchange Loss:
Jun 7, 2014