A loan of $450 helped to buy two presses and increase his production capacity and to respond to his customers' orders.

Ruben Darío's story

Ruben has worked in the binding business for a long time. This allows him to have very good experience in the area, and that way he stands out to his customers. He has been doing this for 12 years. Before that he worked for a long time at a company where he did not earn a good salary. He decided to become independent and start up his own shop at his house. This way he was able to make financial progress.

Because he did not have a lot of capital, his business was established with a lot of production limitations. Therefore, his orders were not very big in the beginning. Nevertheless, he got the business ahead with great effort. This way it has been growing little by little. He currently has two large orders from his customers. They are so big that he is unable to respond to the customer demand due to his production capacity.

That is why he is looking for a loan, which will allow him to buy two presses and increase his production capacity. Then he will be able to respond to his customers’ orders. This way he will grow more and have better sales. His family will have improved income and a better quality of life.

His financial needs are a little high. His two daughters, age 16 and 18, are in school, and the university is very expensive. However, thanks to his business, his is able to give them an education. His dream is to see his two daughters become professionals, have a better quality of life in their home, and financial opportunities to progress.

Translated from Spanish by Kiva volunteer Ginny Kalish

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