Javier (pictured with his wife) is a client of Kubo Financiero and this is his story.
My name is Javier. I am 55 years old and married. I have two children but only one is dependent on me. I have been dedicated to business for 40 years. I started as an attendant at a taco stand. At first, I was washing the dishes. Later, I got married and decided to start my own business where I sell head tacos. My wife works with me. The sales are good because we are a busy street.
I am requesting a loan in order to make my business bigger and to be able to offer more products like sweaty tacos, longaniza tacos and tripe tacos. My motto, is "The cheap tacos are good tasting". I consider myself very-hardworking, responsible and committed. My main achievements are to move my family forward, maintain a business and build a house.
Javier (pictured with his wife) es un cliente de Kubo Financiero y esta es su historia.
Me llamo Javier, tengo 55 años, estoy casado y tengo dos hijos, aunque solo uno depende de mi. Me dedico al comercio desde hace 40 años, inicie como chalan en un puesto de tacos, al principio yo limpiaba los platos. Después me case y decidí poner mi propio negocio donde vendo tacos de cabeza, mi esposa trabaja conmigo. Las ventas sonn buenas porqué estamos en una calle transitada.
Estoy pidiendo el prestamo para hacer más grande mi negocio y poder meter otros productos como tacos de suadero, longaniza y tripa. Mi lema, es "los tacos más baratos del rumbo y con buen sabor". Me consideró muy trabajador, responsable y comprometido. Mis principales logros son haber sacado adelante a mi familia, mantener un negocio y construir una casa.
Kubo.financiero is a regulated microfinance institution that provides accessible and affordable loans to borrowers in Mexico. Its online banking platform and other innovations enable Kubo to charge interest rates that are much lower than the average for MFIs in Mexico. By doing business in a new way -- leveraging technology and customized risk profiles -- the organization is able to support microfinance clients throughout the country. With funds from Kiva lenders, Kubo is able to expand its lending network even further, reach riskier clients who have less credit history, decrease interest rates for borrowers, and scale its service area.