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Jose Jonathan
José is 21 years old and lives along the Perimetral Highway of Guayaquil (a periurban area with dirt roads and a stream that connects to the river and runs several blocks). He and his mother manage a stationery bazaar, which helps them maintain their household.

Little by little, José and his mother have strived to expand their stationery shop. They work from 8am until 10pm every day selling stationery, CDs, notebooks, and other products. Occasionally his stepfather will help out whenever he has to leave to go study. In order to restock their bazaar and generate more income, José is requesting a loan to buy a display cabinet and stationery.

In the future, he wants to expand his business and capture a larger share of the market.

View original language description ↓
José de 21 años, vive en la perimetral de Guayaquil (zona periurbana, con caminos de tierra y el estero que conecta al río, a unas cuantas cuadras). El y su mama tienen una papelería “bazar”, le ha ayudado para poder mantener su casa.

Poco a poco José y su mama con esfuerzo han podido agrandar su papelería, trabajan desde las 08:00am hasta las 21:00pm todos los días, venden papelería, CD, cuadernos etc. En ocasiones su padrastro le ayuda cuando el sale a estudiar. Pero para tener mas artículos de bazar y mas ingresos el quiere comprar con el préstamo una vitrina y papelería.

En el futuro quiere agrandar su negocio, y acaparar mas mercado para su 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
  • 31
    View loans »
    Ecuador Loans Fundraising
  • $26,493,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Jose Jonathan purchase stationery & a display cabinet.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jun 18, 2010
Jul 7, 2010
Currency Exchange Loss:
May 16, 2011