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William  Leonardo
William is 30 years old and lives in the area surrounding the city of Guayaquil. He is married and has two children. The oldest is 10 and the youngest is 8; the two of them attend a public school in the area. His wife earns a living selling cosmetics by catalog. Twelve years ago William began making homemade perfumes since his uncle taught him this work. With the loan he wishes to buy essential oils and chemicals for making perfumes, bottles, etc. His great dream is to be a distributor of perfumes throughout the country and open his own local shop for selling perfumes.
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William tiene 30 de edad vive en el suburbio de la ciudad de Guayaquil. Está casado tiene 2 hijos el mayor de 10 años y el menor de 8 años los 2 asisten a una escuela pública de sector. Su esposa se dedica a la venta de cosméticos por catálogos. William comenzó ya hace 12 años atrás con la elaboración de perfumes caseros ya que fue su tío que le enseño este trabajo. Con el préstamo quiere comprar esencias aromáticas, químicos para la elaboración de los perfumes, botella, etc. Su gran sueño es ser un distribuidor de perfumes en todo el país y abrir su propio local de ventas de perfumes.

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
  • 36
    View loans »
    Ecuador Loans Fundraising
  • $26,541,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,075 helped William Leonardo to purchase essential oils and chemicals.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 4, 2012
Nov 5, 2012
Currency Exchange Loss:
Dec 5, 2012