Joe works selling eggs wholesale and retail. He carries out his work on routes that he drives in his father's truck, delivering and offering the product. He's been working several years with the business, which has given him a great income. Most of his customers are the stores in the neighborhood or the restaurants. They sell every day, which means he has sales every day as well as payment, since he doesn't give credit. One of his greatest challenges is the roads, which aren't paved, which causes him problems and losses because his product is delicate and they break easily, which causes him losses. With the loan he is applying for, he hopes to be able to buy eggs to have in stock. He would like to grow his business since he would like to have his family by his side.
Joe se dedica a la venta de huevos por mayor y menor, el trabajo lo realiza por medio de recorridos que hace en la camioneta de su papá entregando y ofertando el producto, tiene varios años con el negocio el cual le ha dado buenas ganancias. Sus clientes en la mayoría son las tiendas por el barrio o los restaurant ya que ellos venden a diario por lo que su venta es diaria así como el pago ya que no da crédito. Uno de sus mayores inconvenientes son los caminos los cuales no están pavimentos lo que le ocasiona molestias y perdidas porque su producto es delicado y se rompen con facilidad lo que le ocasiona pérdidas. Con el crédito que solicita espera poder comprar huevos para tener en stock, le gustaría ampliar su negocio ya que le gustaría tener a su lado a su familia.
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.