A loan of $475 helped to build a bedroom on the back of his house.


Ricardo Arnulfo's story

Ricardo is a hardworking man. He is always ready to take care of whatever needs his family might have. Recently, his son was born; together with his wife, he wants to make improvements to his home. Ricardo is close to building a bedroom on the back of his house; in that way he will continue expanding his house little by little.

Ricardo is married and works in a local gas station. That's how he covers the daily expenses of his family. Given that many people—not just Ricardo—are only able to cover their daily expenses and many can't even afford that, Ricardo needs a loan to start his project.

The only thing Ricardo, like many people, is lacking is capital—the money to make his project happen. That's why he has turned to us [Credituyo] and sees in us the opportunity to do his project and to have something more to offer to his family and his newborn son.

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Translated from Spanish by Kiva volunteer Holly Torpey


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