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Julio Silvino
Julio was born in Manglar Alto, Guayas District. He’s 47 years old and currently lives in Libertad. He’s married and has a son. His wife does domestic chores and his son attends school. Thanks to his efforts he has a house of his own and a business. He tells us that his father taught him cabinet making since he was 15 years old. He taught him how to work with lumber making beds, cots, display cases, furniture, etc. He feels very proud because he’s now following in his footsteps teaching his own son. His work schedule is Monday to Sunday. He has no employees because he’d be unable to pay them; his only helper is his son when he’s not in school. He delivers the finished products in Guayaquil because he’s paid better there. He needs the loan to buy a motor and lumber. In the future he’d like to have a workshop with all necessary equipment to increase production.
View original language description ↓
Julio nació en Manglar Alto reciento de Guayas. Tiene 47 años actualmente vive en Libertad. Es casado y tiene un hijo. Su esposa se dedica a los quehaceres domésticos y su hijo asiste a la escuela. Gracias a sus esfuerzos tiene casa propia y un negocio. Nos cuenta que su padre le enseño la ebanistería desde que tenía 15 años. Le mostro como trabajar la madera haciendo camas, literas, aparadores, muebles etc. Se siente muy orgulloso porque ahora está siguiendo sus pasos enseñándole a su hijo. Su horario de trabajo es de lunes a domingo. No tiene empleados porque no podría pagarle, el único ayudante es su hijo cuando no se encuentra en la escuela. Entrega sus productos acabados en Guayaquil ya que pagan mejor. El préstamo lo desea para comprar un motor y madera. A futuro le gustaría tener un taller con todos los implementos necesarios para aumentar la producción.

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
  • 45
    View loans »
    Ecuador Loans Fundraising
  • $26,542,050
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,575 helped Julio Silvino to buy a motor and lumber.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 13, 2012
Apr 20, 2012
Currency Exchange Loss:
Apr 18, 2013