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Oswaldo Heribeto
Oswaldo is 48 and lives in Paraiso de Guayaquil on the outskirts of the city of Guayaquil. His house is made of cement and he has electricity only of the basic utilities. He has two children.

Oswaldo left his job with a company three years ago to become an independent vendor of notebooks and stationery. Little by little he has incorporated more merchandise to sell. Now, he also sells mattresses that he buys at a very low price. He travels the streets of Guayaquil selling the mattresses.

With the loan proceeds, he would like to buy pots, stationery and mattresses for his business. In the future, he wants to sell electronics and to have a store to sell assorted products.
View original language description ↓
Oswaldo de 48 años, vive en una zona periurbana en el Paraíso de Guayaquil, su casa es de cemento y solo cuenta con luz como servicio básico, tiene dos hijos. El hace tres años dejo de trabajar en una empresa y se independizo comprando cuadernos, papelería.

Poco a poco a implementado mas mercadería para vender, y también ahora vende colchones que los comprar a un precio muy bajo. También sale a recorrer las calles de Guayaquil para vender los colchones.

Quiere comprar con el prestamos ollas, papelerías y colchones para su negocio, en el futuro quiere vender productos electrónicos, y tener un almacén de cosas varias.

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
  • 32
    View loans »
    Ecuador Loans Fundraising
  • $26,708,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Oswaldo Heribeto pots, mattresses, notebooks.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 13, 2010
May 9, 2010
Currency Exchange Loss:
Apr 15, 2011