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Ciro is the owner of the local convenience store in Totolapan, Morelos. He has been working there for over 35 years, first helping his father and now managing the business. These days his wife Ema helps him with some tasks of the business. Ema and Ciro have been married for a long time, and their children have flown the coop and now live with their own families.

When they first built their current home, there was no water or sewage service so the thought of a complete bathroom was never in their plans. Thirty years later things have changed in Totolapan. For some time now they have been thinking about adding a bathroom to the house. They also want to add a living room now that their grandchildren and their own kids come to visit their home so often. The area where the grandchildren currently play is near the couple's stove, which makes Ema nervous.

Ema and Ciro have no access to credit through traditional banking because of their income and their age. They have been saving for some months to pay for building materials and are requesting credit to complete the payment. With this credit they will also receive technical assistance and supervisory visits to make sure that the new construction meets quality and safety standards. Ciro and Ema are excited to have a complete bathroom and a living room were they can welcome their extended family.

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
  • 81
    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 Ciro to pay for materials to build a living room and a bathroom.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 15, 2013
Dec 2, 2013
Currency Exchange Loss:
Jul 1, 2014