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Jose Ramon
José is 47 years old. He has been a master builder for 7 years. He lives with his wife and 16 year-old son in El Paraíso, a district which is noted for its dirt roads and hills.

José learned his trade seven years ago so that he could support his family. His brother helps him in his work. To make more income for his family he also sells fish. He works from 3.00am in the market selling fish until 6.00am when he starts his building work on different building sites as and when he is hired.

He will use his loan to fix up his house. He will buy cement, paint and blocks. In the future he would like to have premises to set up a business.
View original language description ↓
José de 47 años, es maestro albañil desde hace 7 años atrás. Vive con su esposa e hijo de 16 años en el Paraíso zona caracterizada por sus caminos de tierra y lomas.

Aprendió hacer maestro albañil para poder mantener a su familia hace 7 años atrás trabaja con la ayuda de su hermano. Para tener más ingresos el también vende pescados. Trabaja desde las 03h00 de la madrugada en el mercado vendiendo pescados hasta las 06h00am que comienza a trabajar como maestro albañil en diferentes construcciones según lo contraten.

Con el préstamo quiere arreglar su casa comprando con el préstamo cemento, pinturas, bloques. En el futuro quiere tener un local para ubicar un 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Ecuador

  • $10,600
    Average annual income
  • 72
    View loans »
    Ecuador Loans Fundraising
  • $25,580,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Jose Ramon to buy cement and blocks.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 4, 2010
Dec 1, 2010
Currency Exchange Loss:
Dec 15, 2011