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Jose Andres
Jose is 23 and a very hard worker who aspires to a better lifestyle. He is a fireman by profession. He started out as a volunteer but then was given a contract after some time.

He chose this line of work becaue he likes people. He works either alone or in a team during a 48-hour period, followed by a 24-hour rest, all week long. The risks of the fire can be difficult for him since he sometimes feels like he's suffocating from the smoke and occasionally the fires have enormous flames.

He is requesting a loan to carry out home improvements so he can give his family a better life.

His dream is to see his house finished so he get married and have a child.
View original language description ↓
Jose de 23 años, un hombre muy trabajador que tiene aspiraciones de mejorar su vida cotidiana.
Su profesión es Bombero, inicio esta actividad como voluntario, luego al transcurrir un tiempo se le dio un contrato.

Escogió esta actividad porque le gusta ayudar a la gente. Su trabajo lo realiza solo y en equipo, trabaja 48 horas y descansa 24 de todos los días de las semanas. Su dificultad son los riesgos al acudir a un incendio, hay veces que se ahoga con el humo de las llamas ya que en ocasiones hay incendio de gran magnitud de llamas.
El solicita el préstamo para el mejoramiento de vivienda ya que quiere darle una mejor vida a su familia.

Su sueño es tener su casa construida, el anhelo de él es estar casado y obtener un hijo.

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
  • 60
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Jose Andres to buy cement, sand and blocks for home improvement.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 6, 2011
Oct 19, 2011
Currency Exchange Loss:
Nov 15, 2012