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Fernando Andres
Fernando is 29 years old. He works as a driver and lives in a peri-urban area called Perimetral. He started out at the age of 14, learning to drive a car that he was lent. When he grew up he decided that this was going to be his profession and he borrowed a friend's car so that he could drive the streets and make money.

Fernando currently works from 11.00am to 12.00am every day in the streets of Guayaquil. He has a lot of aspirations to keep working and, for this reason, he works every day. In the future, he has aspirations to improve himself but, for now, he would like to fix up his house, buying blocks and cement. He is thinking, in the not-too-distant future, of buying a bus and becoming a member of a drivers' cooperative.
View original language description ↓
Fernando de 29 años, trabaja como chofer y vive en una zona periurbana llamada Perimetral. Desde los 14 años comenzó aprender a manejar en un carro que le prestaban. Cuando creció decidió que esa iba a ser su profesión y le prestó un carro a un amigo para poder transita en las calles y conseguir dinero.

En la actualidad trabaja desde las 11h00am hasta las 12h00pm todos los días recorriendo las calles de Guayaquil. Tiene muchas aspiraciones para seguir trabajando por eso está trabajando todos los días.

En el futuro tiene muchas aspiraciones de superación pero por ahora quiere arreglar su casa comprando bloques, cemento. Tiene pensado en un tiempo no muy lejano comprar un bus para ingresarlo a una cooperativa.

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
  • 78
    View loans »
    Ecuador Loans Fundraising
  • $25,601,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Fernando Andres to buy cement and blocks.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 14, 2010
Jan 13, 2011
Currency Exchange Loss:
Feb 15, 2012