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Graciela Guadalupe
Graciela S., 37, is married and has 5 children; their ages range from 1 month to 22 years. Her children study in public elementary and secondary schools. Her main source of income is the sale of cosmetics like perfume, hand creams, colognes. She chose this line of work because she likes sales. She works afternoons from 3:30-6:00 and her mother helps her with the sales. She has a profit margin of 50%. For example: she invests US$ 300 and earns US$ 150 profit. With the financing she plans to buy beauty products and toys for the Christmas season. Her future goal is to finish her house and to have a wider selection of beauty products to sell.
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Graciela S. es una señora de 37 años, casada con 5 hijos de 22, 16, 12, 8 y 1 mes de edad. Sus hijos estudian en escuelas y colegios fiscales. Su actividad principal es la venta de cosméticos, tales como perfumes, cremas para manos y colonias, esta actividad la escogió porque le gustan ventas.
Su horario de trabajo es por las tardes ( 15h30 – 18h00 ) y su mamá la ayuda a vender los productos, el negocio le da una rentabilidad del 50% por ejemplo si invierte US$ 300.0 obtiene como ganancia US$ 150.00. Con el préstamo planea comprar productos de belleza y juguetes para la época navideña. Sus metas a futuro son terminar de construir su casa y tener más productos de belleza para vender

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
  • 53
    View loans »
    Ecuador Loans Fundraising
  • $24,996,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Graciela Guadalupe to buy toys and cosmetics.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 8, 2009
Dec 15, 2009
Currency Exchange Loss:
Jan 15, 2011