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Kleber Joel
Kleber, age 42, is a hardworking gentleman who has aspirations of growing his business. He operates a bakery in the front part of his home. Kleber has been in business for three years. He decided to establish this business because there was no other one that existed in the area.

Kleber begins making his products at 5am and he closes his business at 9pm. He lives alone and manages this business by himself. The loan he is requesting will be used to buy beverages, flour, yeast, and essences so that he can increase his business.

His dream is to expand his business and build a house.

View original language description ↓
Kleber de 42 años, un hombre trabajador que tiene aspiraciones de crecimiento de negocio.
Su negocio es una panadería que está ubicada en la parte delantera de su vivienda, esta actividad la realizo hace tres años, ya que por su sector no había este negocio él decidió ponerse uno.
Su actividad la realiza desde las 5:00am con la elaboración de su productos y cierra a las 21:00pm, el vive solo y lo administra solo su negocio.
El solicita el préstamo para la compra de bebidas, harina, levadura, esencias y para el incremento de su negocio.
Su sueño es agrandar su negocio y que poder construir su vivienda.

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
  • 29
    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 $650 helped Kleber Joel to buy beverages, flour, yeast, and essences.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 14, 2011
Oct 27, 2011
Currency Exchange Loss:
Sep 15, 2012