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Rosa Maria
Rosa A. is 36. She lives in an area with scant basic services, which is located in Paraíso de Guayaquil. She has a brick house, and the road is not paved.

Ten years ago Rosa started selling fruits and vegetables from a basket by traveling to various areas near her house. Later, with her small income and her effort, she was able to buy a cart. The cart would help her establish the business that would assure her family’s future.

Five years ago she was able to set up a small grocery store in her house. She sells lentils, kidney beans, fruit, and rice, etc. One of the biggest difficulties Rosa has is taking care of the fruit so that it does not get covered in dust so that she can bring the food from long distances. With help from her husband, a guard, she is able to support her two children. They are seven and nine, and they attend public school near their house.

She wants to use the loan to buy more oil, soap, tuna, and sardines to expand her store. In the future she wants to stock her store with school supplies. That way she will better equip it with necessities in order to be able to assure her family’s future.
View original language description ↓
Rosa A. de 36 años de edad, vive en un sector de escasos servicios básicos ubicado en Paraíso de Guayaquil, su casa es de ladrillos y no esta el camino pavimentado, Rosa comenzó hace 10 años atrás con una canasta vendiendo legumbres y frutas recorriendo varios sectores cercanos de su casa, después con sus pocos ingresos y esfuerzo pudo comprar una carreta que le ayudaría a emprender el negocio que le aseguraría el futuro de su familia.

Hace ya 5 años atrás pudo poner en su casa una tienda pequeña de víveres en la que puede vender lentejas, fréjol, frutas, arroz, etc. Una de las mayores dificultades de Rosa es cuidar las frutas que no se empolven y por ende traer los víveres de distancias lejanas, con la ayuda de su esposo siendo guardia puede mantener a sus dos hijos de 7 y de 9 años de edad que están en escuelas fiscales cercanas a donde viven.

Con el préstamo quiere comprar mas aceites, jabones, atún, sardinas, para así agrandar mas la tienda, en el futuro quiere surtir la tienda con útiles escolares y así adecuarla mejor a las necesidades de las personas para poder 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

  • $10,600
    Average annual income
  • 45
    View loans »
    Ecuador Loans Fundraising
  • $24,295,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Rosa Maria buy more oil, soap, tuna, and sardines.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 25, 2009
Dec 14, 2009
Currency Exchange Loss:
Dec 15, 2010