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Luciano Marcial
Luciano lives in La Libertad. He is an enterprising man. He started his taxi service business a long time ago in order to be able to give his family the best. Traveling the streets of La Libertad, little by little, he gets enough to cover his family’s expenses. He works an average of ten hours a day every day. He is married and has four minor children, and they still attend a public school.

He needs the loan to buy school supplies for his children. In spite of his income, he does not have a lot of money to be able to help his children.
View original language description ↓
El cliente Luciano, vive en La Libertad. El es un hombre emprendedor ya que comenzó con su negocio de servicio de taxi desde hace ya mucho tiempo para poderle dar lo mejor a su familia. Poco a poco recorrido las calles de Libertad consigue cubrir los gastos de su familia.

Trabaja todos los días en un promedio de 10 horas al día. Esta casado y tiene 4 hijos menores que aun estudian en una escuela fiscal. El necesita el préstamo para comprar útiles escolares para sus hijos, porque ha pesar de sus ingresos no tiene mucho financiamiento para poder ayudar a sus hijos.

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
  • 77
    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 $975 helped Luciano Marcial to buy school supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 16, 2013
Jun 9, 2013
Currency Exchange Loss:
Dec 17, 2013