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Alex, 33, is married and has 3 daughters, was born in a cottage in northern Brazil, since childhood he worked in agriculture to help his parents. He lost his mother very young and was raised by another family in the South of the country. He began to cultivate grapes in his adolescence, where he met his current wife . The two came to São Paulo in search of better job opportunities and decided to start their own businesses, now his wife has a small grocery store and he builds houses. Their biggest dream is to buy the grocery store that today is rented, to stop the work as a bricklayer, and to balance work with family. In the future he wants his family to work together in the grocery store.

Alex wakes up very early to get the fruits and vegetables to supply his wife's grocery store and goes to work early with his teammates. He makes houses, from the foundation to the finish and paint. He will use this loan to buy building material, paints and pay his helpers.

He loves to work and go out with his family when he has spare time and money. He is evangelical and goes to church constantly. He dreams of giving a more dignified future to their three daughters, and provide them with a quality education so they can have another chance and do not need to go through everything he and his wife experienced.

Additional Information

About Banco Pérola:

This loan is administered by Kiva partner Banco Pérola, a non-profit organization that aims to contribute to social change in Brazil through the financial inclusion of young entrepreneurs. Banco Pérola is primarily focused on funding loans to young entrepreneurs (ages 18-35) in the Brazilian state of São Paulo. The organization is an off-shoot of Projeto Pérola, an NGO that offers youths trainings and educational courses on arts, culture, and digital media. Banco Pérola was created after staff observed that the youth served by Projeto Pérola had solid business ideas and the drive to execute them but were unable to fund their ideas due to their lack of credit history or collateral.

Banco Pérola joined Kiva through our Experimental Partnership Program, and has therefore received a lighter level of due diligence. Accordingly, loans associated with this partner carry a higher level of risk than typical Kiva loans.


About Brazil

  • $12,100
    Average annual income
  • 0
    View loans »
    Brazil Loans Fundraising
  • $203,275
    Funds lent in using Kiva
  • 2.2
    Brazil Reais (BRL) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,850 helped Alex to buy building material, paints and pay his helpers.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Oct 18, 2013
Oct 22, 2013
Currency Exchange Loss:
Feb 17, 2014