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Jose Gilberto
José Columbo is 43, and he lives in Paraiso de Guayaquil on the outskirts of the city of Guayaquil. His is single, but he has two grown daughters. One of his daughters lives with him and helps him with the house while he goes to work.

José started with a table and a blender outside of his house making juices and fruit shakes from watermelon and pineapple. Driven by the fact that he was the only source of income for the household, he decided to invest his savings and rent a place for his business.

His business has now improved with tables and chairs. He has also started serving breakfast with tostadas. He starts working very early preparing everything for his customers.

He wants to use the loan to buy fruit like strawberries, blackberries, and avocado for his breakfast business.

In the future he wants to improve his place to be able to have more customers. He wants to make his old age secure with a good business.
View original language description ↓
José C. de 43 años, vive en una zona periurbana en Paraíso de Guayaquil, es soltero pero tiene dos hijas ya mayores de edad. Una de sus hijas vive con el y le ayuda en la casa mientras que el sale a trabajar.

José empezó con una mesa y una licuadora en las afueras de su casa haciendo jugos y batidos de frutilla, sandia y piña. Con la motivación de que el era el único sustento en su hogar decidió invertir sus ahorros y alquilar un local para su negocio.

En la actualidad su negocio ha mejorado con mas mesas, sillas y también ha implementado dar desayunos con tostadas. Trabaja desde muy temprano preparando todo para sus clientes. Con el préstamo quiere comprar frutas como fustilla, mora, aguacate para su negocio de desayunos.

En el futuro quiere mejorar su local para poder tener mas clientela y así asegurar su vejes con un buen negocio.

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
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,538,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Jose Gilberto strawberries, avocados, and blackberries.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Mar 25, 2010
Apr 17, 2010
Currency Exchange Loss:
Nov 15, 2010