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Jose Heriberto
Jose lives in Guayaquil. He started offering his services as a bricklayer at a very young age so that he could generate income for his family. Over time he continued to work until he gained sufficient experience. Now he has an established clientele.

Jose currently works from 6:00 A.M. to 5:00 P.M. so that he can feed his household and continue to move forward. He has many aspirations of continuing his business. For this reason, he is requesting a loan in order to buy cement, blocks, and tools so that he can provide his services as a bricklayer to other people by building their houses.

View original language description ↓
El cliente Jose vive en Guayaquil, el comenzó sus servicios de albañil desde pequeño para poder generar ingresos a su familia, poco a poco siguió en trabajando hasta ganar la experiencia suficiente y tener sus clientela fija.

En la actualidad trabaja desde las 06:00am hasta las 17:00pm para llevar alimento a su hogar ya que quiere seguir superándose. Tiene muchas aspiraciones en conseguir su negocio por eso quiere el prestamo para poder comprar cemento, bloques y herramientas para prestar sus servicios a otras personas ya que la actividad de albañil es de construcción de casas.

Additional Information

More information about this loan

This loan is for a Kiva borrower living with a disability. 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 disabled 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
  • 36
    View loans »
    Ecuador Loans Fundraising
  • $26,541,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Jose Heriberto to buy cement, blocks, and tools.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 29, 2013
May 23, 2013
Currency Exchange Loss:
Jul 2, 2014