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Estela Del Carmen
Estela P. is 48 years old and lives in the suburbs of Paraíso de Guayaqui. She is divorced because her husband left her when her duaghter was three years old. Now she is 15 and is in school. Estela started out selling perfumes and lotions, and thanks to her good profits she began selling edible items out of her home. She works from 6 in the morning until dusk every day selling rice, sugar, sodas, lotions, perfumes, etc. One of the problems she has with her store is the lack of security in the area. With the loan, she plans to purchase snacks, legumes, sodas and lotions to add more variety to her store. In the future she wants to enlarge her business.
View original language description ↓
Estela P. de 48 años, vive en una zona periurbana ubicada en Paraíso de Guayaquil, su estado civil es divorciada su esposo la abandono cuando su hija tenia 3 años, ahora su hija tiene 15 años y estudia en una escuela fiscal.

Estela comenzó vendiendo perfumes y cremas gracias a los buenos ingresos que tenia comenzó a implementar cosas comestibles para vender en su casa. Ahora ella trabaja desde las 06h00 hasta el anochecer todos los días vendiendo arroz, azúcar, colas, cremas, perfumes etc. Una de las complicaciones que tiene en su tienda es la inseguridad que hay en su sector.

Con el préstamo quiere comprar snack, legumbres, colas, cremas para tener más variedad en su tienda. En el futuro quiere agrandar más el negocio.

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
  • 90
    View loans »
    Ecuador Loans Fundraising
  • $25,045,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Estela Del Carmen purchase snacks, legumes, sodas and lotions.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 8, 2010
Jan 20, 2010
Currency Exchange Loss:
Feb 15, 2011