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Alberto Ernesto
Alberto, who is from Portoviejo, is being presented here. He recalls that his career started as a journeyman in the construction business. However, the jobs were sporadic, so a friend recommended that he start selling water. Alberto works by himself as a traveling vendor, going to different areas of the city from morning to afternoon. He does not face any major problems. Alberto is married to Maria Yolanda, who helps with the expenses by selling merchandise through catalogs. They have two children, ages 10 and 16, who attend a state school.

Alberto will use this loan to acquire containers of water, legumes, and cheese so that he can increase his sales. His goal for the future is to buy a vehicle so that he will have an easier time selling his products.

View original language description ↓
De Portoviejo les presentamos a Alberto. Su profesión desde que tiene memoria a sido Jornalero de la construcción pero como sus trabajos eran esporádicos y por propuesta de un amigo se inicio en la venta de agua. El trabajo lo realiza solo de manera ambulante recorriendo diferentes aéreas de la ciudad en la mañana y tarde. Como es conocido no a tenido mayores problemas. Está casado con Maria Yolanda quien le ayuda con los gastos vendiendo productos por catálogos. Tiene 2 niños de 10 y 16 años que asisten a la escuela fiscal. Con el préstamo Alberto piensa adquirir bidones de agua, legumbres y queso para aumentar sus ventas. Su meta a futuro seria comprar un vehículo con lo cual sería más fácil la venta de sus productos.

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
  • 73
    View loans »
    Ecuador Loans Fundraising
  • $25,580,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Alberto Ernesto to purchase containers of water, legumes, and cheese to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 5, 2012
May 13, 2012
Currency Exchange Loss:
May 17, 2013