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Julio Cesar
Julio Cesar is a farmer and lives with his wife Rosa and their son. Every morning, he gets up before the sun rises to work in the field. Meanwhile, Rosa stays home cleaning, cooking, and taking care of their child. Every afternoon, Rosa goes out with their son to sell what Julio Cesar grows in the field. Their hard work earns them roughly $600 USD a month.

Julio Cesar has worked hard over the years and has been able to build a home for his family. However, their house is small even for the young family. They all live, cook, eat and sleep in the same room. Julio and Rosa know that more children will come soon and they need to expand before that happens. The family has been saving for the last three months to add two additional bedrooms and one bathroom to this house. This loan will help them pay for the materials needed to finish the construction and get expert supervision.

Julio Cesar has no access to credit with other organizations because he has an informal job that does not pay much and has irregular cash flows. The family will work together to build this addition to their home. They will receive supervision visits from certified technicians to monitor the quality and progress of the construction, and to prevent them from losing all the time and money they have already invested. In less than 3 months, Julio Cesar, Rosa and their child will be able to live in a better house with more space, that allows them to lead a healthier lifestyle.

Additional Information

More information about this loan

Ecoblock is a social housing production company that delivers affordable homes and home improvements to communities through a program called Echale a tu Casa. Echale sells technical assistance for self-organized and self-production housing in rural and urban communities. Ecoblock focuses on the poorest socioeconomic strata in Mexico (levels C, D & E). They place a particular emphasis on areas where families do not have access to any microfinance institutions.

About Echale

Ecoblock International (“Ecoblock”) is a social housing company dedicated to providing marginalized communities in Mexico with opportunities to significantly improve their housing conditions. Founded in 1997, it started a program called Échale a Tu Casa that develops affordable housing solutions for underserved communities through innovations in construction, technology and finance. Focusing its efforts on urban and rural areas where families have little or no access to microcredit, the program has supported 30,000 families to construct new homes, and has delivered home improvement assistance to an additional 150,000 families.

Ecoblock 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 Mexico

  • $15,600
    Average annual income
  • 80
    View loans »
    Mexico Loans Fundraising
  • $21,062,600
    Funds lent in using Kiva
  • 13.1
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Julio Cesar to buy materials to build a bedroom and a bathroom.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 15, 2013
Dec 2, 2013
Currency Exchange Loss:
Apr 16, 2014