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Jefferson Regulo
Jefferson, 33, lives in Guayaquil. He started in his line of work as an apprentice, where he observed how to use construction tools. Later he worked as an employee, and now he is a master welder. This is how he supports his household.

Jefferson works on his own from 9am until 6pm. There are times when the winter weather is a problem for him, because it is impossible to do this type of work in the rain.

Jefferson is married, and his wife helps with the household chores. They have no children, and so his earnings are used for his business, his house, and his well-being.

With this loan, he wants to buy a welding machine. He dreams of having a good workshop with his wife, where they could have a number of employees and have a comfortable life where they have everything they need.
View original language description ↓
El cliente Jefferson vive en Guayaquil, tiene 33 años de edad. El empezó su negocio como aprendiz observando cómo se utilizaba las herramientas luego trabajo como empleado, actualmente es maestro soldador con la cual sustenta los gastos de su hogar.

Este trabajo lo realiza solo de 9:00 de la mañana a 6:00 de la tarde, hay veces que le dificulta la temporada invernal ya que es imposible realizar esta labor debido a las lluvias.
Está casado, su esposa ayuda en los quehaceres del hogar y no tiene hijos por lo tanto las ganancias van para su negocio, hogar y bienestar.

Con el prestamo quiere comprar una maquina soldadora. El sueño es poder mantener un buen taller con varios empleados, compartir junto a su esposa, tener una vida cómoda sin que les falte nada.

Additional Information

More information about this loan

This loan is for a Kiva borrower living with HIV/AIDS. These borrowers face high barriers to obtain loans due to their health condition. Kiva Field Partner Banco D-MIRO combines their loan with free health and life insurance to help borrowers generate the capital necessary to develop and run a business.  

Due to potential safety risks facing HIV/AIDS positive borrowers and the need to protect their privacy, the faces of borrowers from Banco D-MIRO may be blurred in photos.

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
  • 71
    View loans »
    Ecuador Loans Fundraising
  • $25,584,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Jefferson Regulo to buy a welding machine.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 15, 2013
Mar 9, 2013
Currency Exchange Loss:
Mar 27, 2014