Ismael is a client of Kubo Financiero, and this is his story:
Ismael is 43 years old. He has been married for eight years and has two children, ages 5 and 7. His wife is named Miriam; she works in the home, although she also helps him with his shoe sales. He has lived in a rental house for two years, and he shares the expenses of the home with his siblings.
Ismael has a taxi, which he drives six days a week in order to have one day off. Besides running his taxi, Ismael sells shoes from a catalog, along with his wife. In this way he has an additional source of income. He is asking for this loan to make necessary arrangements for his taxi: to insure it, to register it, and to fix some parts such as the power steering, the shock absorbers, and the brake discs.
Thanks to his job, Ismael has managed to get his own taxi and get his family ahead, with a good quality of life. His main goal is to own his own house or condo.
Ismael es un cliente de Kubo Financiero y esta es su historia:
Ismael tiene 43 años, es casado desde hace 8 años y tiene 2 hijos; de 7 y 5 años. Su esposa se llama Miriam y ella se dedica al hogar, aunque también le ayuda con las ventas de calzado. Vive en una casa rentada desde hace 2 años y comparte los gastos de la misma con sus hermanos.
Él tiene un taxi, el cual opera 6 días de la semana; para tener un día de descanso. Aparte de operar su taxi, Ismael junto con su esposa vende zapatos por catálogo; de esta manera tiene una fuente de ingreso adicional. Pide este préstamo para hacer arreglos necesarios con respecto a su taxi: tramitar su seguro, su tarjetón y reparar algunas partes como la licuadora, los amortiguadores y el disco de frenos.
Gracias a su trabajo Ismael ha logrado tener su taxi propio y sacar adelante a su familia con una buena calidad de vida. Su principal reto es tener su casa o departamento propio.
Kubo.financiero is a regulated microfinance institution that provides accessible and affordable loans to borrowers in Mexico. Its online banking platform and other innovations enable Kubo to charge interest rates that are much lower than the average for MFIs in Mexico. By doing business in a new way -- leveraging technology and customized risk profiles -- the organization is able to support microfinance clients throughout the country. With funds from Kiva lenders, Kubo is able to expand its lending network even further, reach riskier clients who have less credit history, decrease interest rates for borrowers, and scale its service area.