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Luz Maria
Luz C. is 33 years old. Her brick home is located in Paraíso, an area just outside the city of Guayaquil. Her husband has worked as a mechanic for 10 years, and they have 2 children who study in a public school.

Luz started 4 years ago with $100 selling creams and perfumes. Now she works as a Yanbal salesperson, selling perfumes, creams, and makeup through a catalog. She works 2 hours in the morning and 3 hours in the afternoon; one of the drawbacks is that she has gallstones, and it causes inflammation when she walks a lot.

With the loan she wants to buy perfumes, creams and makeup so that she can have everything that her customers ask for. In the future she wants to be a Yanbal Director so that she will be able to win a car as a prize, and so that her children can continue to study.
View original language description ↓
Luz C. de 33 años de edad, su vivienda es de ladrillos esta ubicada en una zona periurbana en Paraíso de Guayaquil, su esposo es mecánico hace 10 años atrás, tienen 2 hijos que estudian en un colegio fiscal.

Luz empezó hace 4 años con $ 100.00 vendiendo cremas y perfumes, ahora ella trabaja como vendedora Yanbal con una revista de catalogo en la que vende perfumes, cremas, maquillajes, trabaja dos horas en la mañana y tres en la tarde uno de los inconvenientes son sus piedras ya que le causa inflamación cuando camina mucho.

Con el préstamo quiere comprar perfumes, cremas y maquillajes para poder tener todo lo que le piden los clientes, en el futuro quiere ser Directora Yanbal para poder ganarse un carro como premio y que sus hijos puedan seguir estudiando.

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
  • 54
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Luz Maria to buy perfume, creams and makeup.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 10, 2009
Dec 28, 2009
Currency Exchange Loss:
Dec 15, 2010