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Cecilia Alexandra
Cecilia Z. is 45 years old and lives in a suburb of Guayquil. Her house is made of cement and has only lights and water for basic services. Her husband works as a driver for a shrimp producer, and together they have three children.

13 years ago Cecilia started just selling notebooks. When her husband was let go by his employer she started selling notebooks and pens from her house that was made from bamboo.

She now owns a concrete house and works from 6 am to 10 pm every day. She sells notebooks, jewelry, gifts, postcards, etc. One of the challenges she faces is the crime in her neighborhood.

Cecilia wants to purchase notebooks, pens, and soft drinks for her customers with the loan. In the future, she hopes to open another stationary shop.
View original language description ↓
Cecilia Z. de 45 años, vive en una zona urbana en el Suburbio de Guayaquil, su casa es de cemento solo cuenta con luz y agua como servicio básico. Su esposo trabaja como chofer en una camaronera con el tiene 3 hijos.

Empezó hace 13 años solo vendiendo cuadernos. Cuando a su esposo lo liquidaron de la empresa donde trabajaba empezó en su casa de caña vendiendo cuadernos y plumas.

Ahora ella tiene una casa de cemento y trabaja desde las 06h00 hasta las 22h00 todos los días. Vende cuadernos, bisutería, regalos, cartulinas etc. Una de las complicaciones que tiene es la delincuencia en el sector.

Con el préstamo quiere comprar cuadernos, plumas y bebidas para sus clientes. En el futuro quiere tener otra papelería.

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
  • 83
    View loans »
    Ecuador Loans Fundraising
  • $25,065,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Cecilia Alexandra purchase notebooks, pens and drinks.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 22, 2010
Feb 23, 2010
Currency Exchange Loss:
Jan 15, 2011