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Juan Morales
The client is from the Fortín area of Guayaquil. He started with this business activity some time ago due to the lack of employment at the time. He looked for a way to arise financially.

His wife actively helps him with his work, which he does every day from 8:00 a.m. until 5:00 p.m. He does not have children.

In the future he wishes to become the leading recycler in the area. He needs the loan to buy plastic, cardboard, and bottles.
View original language description ↓
El cliente es de la zona de Fortín en Guayaquil. Empezó tiempo atrás con esta actividad debido a la falta de empleo de ese momento, por lo que buscó la forma de surgir económicamente. Su esposa lo ayuda activamente en su labor que la realliza todos los días de 8 am a 5 pm. No tiene hijos y desea a futuro convertirse en el reciclador referente del sector. Necesita el crédito para invertirlo en la compra de plástico, cartones y botellas.

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 $800 helped Juan Morales to buy plastic, cardboard, and bottles.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 16, 2013
Sep 1, 2013
Currency Exchange Loss:
Sep 4, 2014