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Marcia Gregoria
Marcia M. is 29 years old and lives in the periurban district of Fortín in Guayaquil. (Fortín is named after its hills. This humble place has dirt roads and most of the houses in the area are made of reeds.) Her husband works as a security guard and they have two children, ages 7 and 2.

When Marcia was a young girl, her mother had a small shop where she helped her buy and sell food. When she got married, she used her savings to remodel the front part of her house so that she could open a small store selling groceries.

That turned out to be a good decision. She now works at her store between 6am and 9pm every day. Her loan will be used to buy rice, canned goods, and cookies for her small store. In the future, she wants to open a mini-market and hire employees so that she can dedicate her time to raising her family.

View original language description ↓
Marcia M. de 29 años, vive en una zona periurbana en el Fortín (llamado así por sus lomas, lugar muy humilde con calles de tierra y la mayoría de las casas son de caña) de Guayaquil. Su esposo es guardia de seguridad, ellos tienen dos hijos de 7 y 2 años.

Cuando Marcia era pequeña su mama tenia una pequeña tienda ella le ayudaba y le compraba los víveres para venderlos. Cuando se caso invirtió sus ahorros víveres para vender y arreglo la parte delantera de su casa para ubicar su pequeña tienda.

Por esa buena decisión ella ahora tiene su tienda, trabaja desde las 06:00 am hasta las 21:00 pm todos los días, con el préstamo quiere comprar arroz, enlatados y galletas para su pequeña tienda.

En el futuro quiere tener un minimarket y tener a su cargo empleados para ella poder dedicarse a su familia.

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 Marcia Gregoria purchase rice, canned goods, and cookies.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Apr 8, 2010
Apr 22, 2010
Currency Exchange Loss:
Jan 15, 2011