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Cristina Soraisa
Cristina S. is 24 years old and lives in a periurban district located along the Perimetral Highway of Guayaquil. Her house is made of cement and receives only water and electricity as its basic services. She is separated from her husband and has no children.


Cristina’s parents opened a store many years ago. When her parents became elderly and could no longer work, she took over the store. Now Cristina works with her sister every day from 6am until 9pm. They serve approximately 200 customers each day. They sell rice for $0.23/lb, sugar for $0.50/lb, and tuna for $1.00/can. One problem they encounter is when the streets get muddy because of the rain.


With this loan, Cristina will buy cement and stone, as well as pay for labor to make improvements to her home. In the future, she would like to open another branch of her store so that she can secure her parents’ future.

View original language description ↓
Cristina S. de 24 años, vive en una zona periurbana ubicada en la Perimetral de Guayaquil, su casa es de cemento solo tiene agua y luz como servicios básicos, esta separada de su esposo y no tiene hijos.

Los padres de Cristina comenzaron con el negocio de la tienda ya hace muchos años atrás. Cuando sus padres tuvieron una edad avanzada y ya no podían trabajar ella se hizo cargo de la tienda. Ahora Cristina trabaja con su hermana todos los días desde las 06h00 hasta las 21h00 tienen un aproximado de 200 clientes todos los días, vende la libra de arroz a $ 0.23, la libra de azúcar $ 0.5, atún a $ 1.00 etc. Una de las dificultades que tiene son las calles enlodadas por causas de las lluvias.

Con el préstamo quiere comprar cemento, piedras y la mano de obra para el mejoramiento de su vivienda, en el futuro quiere tener una sucursal de su tienda y poder así asegurar el futuro de sus padres.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Ecuador

  • $10,600
    Average annual income
  • 102
    View loans »
    Ecuador Loans Fundraising
  • $24,134,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Cristina Soraisa purchase cement & stone; pay for labor.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 6, 2010
Listed
Jan 21, 2010
Currency Exchange Loss:
N/A
Ended:
Dec 15, 2010