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Miriam Lucia
Miriam P., 34, is from the Paraíso area of Guayaquil. She is located in a periurban (immediately adjoining an urban area; between the suburbs and the countryside) area and has a cement house with few basic services. She began to learn to style hair at the age of 15 and at the age of 18 began to work as a stylist where she learned how to run a beauty salon. This was her motivation to set up her own salon at age 24 by renting a small locale for it. Miriam currently does 20 hair cuts per day. On weekends she does hair coloring and straightening. She begins her work day at 9am and works until 6pm. One of the complications inherent in the area where she lives is the number of robberies. Already on one occasion she lost all her equipment and tools to them. Although her husband helps out with household expenses with his earnings as a conductor, she wants to insure her 15-year-old only daughter's, who is in private school, future. With the loan she will buy more hair dryers, hair coloring agents, hair straighteners. In the future, Miriam wants to have more beauty products for women so that she can attract more customers and thus provide more to insure her family's future.
View original language description ↓
Miriam P. de 34 años, de la zona de Paraíso de Guayaquil, esta ubicada en un lugar periurbano y tiene una casa de cemento con escasos servicios básicos, comenzó a estudiar corte desde sus 15 años, a los 18 años trabajo en un gabinete como estilista donde aprendió a administrar un gabinete de belleza, esto fue un empuje para que ella pusiera su propio negocio a la edad de los 24 años alquilando un pequeño local.

Miriam actualmente hace 20 cortes de cabello por día, los fines de semana hace tinturados y cepillados, inicia su jornada de trabajo desde las 9am hasta las 18pm, una de las complicaciones en el sector donde vive son los ladrones ya que en una ocasión se le llevaron las herramientas de belleza con que trabaja, aunque su esposo le ayuda con los gastos de la familia como maestro conductor quiere asegurar el futuro de su única hija de 15 años que estudia en un Colegio Particular.

Con el préstamo quiere comprar más secadoras, tintes, planchas de cabello, en el futuro Miriam quiere tener más productos de belleza de la mujer para tener más clientela y así aportar para asegurar el futuro de su familia.

Additional Information

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

  • $10,200
    Average annual income
  • 33
    View loans »
    Ecuador Loans Fundraising
  • $23,467,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Miriam Lucia to buy beauty salon supplies.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 25, 2009
Listed
Dec 14, 2009
Currency Exchange Loss:
N/A
Ended:
Aug 15, 2010