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Julio Orlando
Julio is 47 years old and lives in Playas. His house is made from bricks and he has both water and electricity. He started learning welding in Guayaquil at the age of 21 and now works from home, near the docks. This location is favorable to him because most of his customers are fishing boat owners. He carries out welding work on boats that have deteriorated with the passage of time and through the wear and tear they sustain on the high seas. Julio has been working in this area since 2004. He works Monday to Sunday, from 8.00am to 5.00pm, and has a lot of customers. He will use his loan to buy metals for his welding. It is a little expensive as they are bought in sheets. His future goal is to improve his home and his business so that he can provide his family with better living conditions.
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Julio tiene 47 años viviendo en Playas, su casa es de ladrillo y cuenta con los servicios de agua y luz. Desde los 21 años empezó aprendiendo la soldadura en Guayaquil, actualmente realiza sus labores en su vivienda ubicada cerca de los muelles, este cambio fue favorable para el ya que sus clientes son en su mayoría los dueños de los barcos pesqueros. Realiza la soldadura de las embarcaciones las cuales se deterioran por el paso de tiempo y el uso que tienen en alta mar. Lleva trabajando en este sector desde el 2004 de lunes a sábado desde las 8 am hasta las 5 de la tarde gozando de mucha clientela. Con el crédito que solicita Julio va a comprar metales para la soldadura, es un poco caro ya que se compra en planchas. Su meta a futuro es mejorar su vivienda y el negocio para así poder brindar una mejor condición de vida 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
  • 24
    View loans »
    Ecuador Loans Fundraising
  • $26,466,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,575 helped Julio Orlando to buy metals.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 4, 2012
Jul 12, 2012
Currency Exchange Loss:
Jul 17, 2013