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Freddy Fernando
Freddy is 21. He started to work as a small businessman from an early age, at 13. With hard work and God's help, he managed to get ahead.

He works every day, and carries out his work on his own, from 7:00 in the morning until 8:00 in the evening. His only challenge is the crime problem. He is married, and his wife does the household chores. They have a nine month-old son who is the reason he keeps working.

He has many ambitions for his business. That's why he wants to continue selling ice cream, clothing, and other things. To improve his income, he wants to use the loan to buy ice cream and clothing. His goal is to have a steady business, so that he can provide his family with a good future.
View original language description ↓
Freddy de 21 años, empezó a trabajar como comerciante desde muy pequeños a los 13 años, con esfuerzos y con la ayuda de Dios pudo salir adelante.

Trabaja todos los días, realiza su trabajo solo desde las 7 de la mañana hasta las 8 de la noche. Su dificultad solo es la delincuencia. Está casado y su esposa se dedica a los quehaceres domésticos, y tiene un hijo de 9 meses quien es su propósito para seguir adelante con su trabajo.

Tiene muchas aspiracion con su ventas por eso quiere seguir vendiendo helados, ropa etc. Para mejorar sus ingresos el quiere comprar con el prestamo helados y ropa. Su meta es poder tener un negocio estable para sí poder darles un buen futuro a su familia.

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
  • 30
    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 $775 helped Freddy Fernando to buy merchandise, such as ice cream and clothing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 14, 2011
Nov 29, 2011
Currency Exchange Loss:
Nov 15, 2012