Miguel lives in Duran. He started with his business in order to give his family a better income opportunity. He makes handicrafts, and he sells them to students at elementary schools and high schools. He also sometimes goes to the beaches in Esmeraldas to sell in order to have more income.
He does not have any difficulties now. The only difficulty is in his house, which is made of wood and reeds. He needs to change the floor of his house because it is damaged due to the fact that it is made of wood.
He has a lot of aspirations in his business. Therefore, he wants to use the loan to buy thread and fabric to make his handicrafts. This way he will have income to fix the floor of his house.
El cliente Miguel vive en Duran. El comenzo con su negocio para darle una mejor oportunidad de ingresos a su familia, el hace artesanías y las vende en las escuelas y colegios a los estudiantes. También en ocasiones va las playas de Esmeraldas a vender para tener mas ingresos.
No tiene dificultades por ahora, solo en su casa que es de madera y caña ya que tiene que cambiar el piso de su casa porque se esta dañando debido a que es de madera.
Tiene muchas aspiraciones en su negocio, por eso quiere comprar con el préstamo hilos, tela para hacer sus artesanías y asi tener ingresos para arreglar el piso de su casa.
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.