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Enma Francisca
Enma, age 53, lives in the urban area of El Surburbio in Guayaquil. Her husband died years ago leaving her a widow with their children. She lives alone because her children are now married. But, her grandchildren visit her everyday. (She appears in the photo with her ten year old grandson.)

Her husband was the one who worked. But, when he died she was left without any income. She used the savings she had to buy chickens to sell to her neighbors and friends. Little by little she started to get income. She bought a freezer because the chickens no longer fit in the refrigerator.

She continues in the business as it is the first income she has had since her husband died. She works everyday selling chickens, turkey, and meats. She wants to use the loan to buy more chickens, meats, and turkeys for her business. In the future she wants to have a poultry farm to be able to have a secure old age.
View original language description ↓
Enma tiene 53 años, vive en una zona urbana en el suburbio de Guayaquil, hace años murió su esposo y quedo viuda con sus hijos. Vive sola porque ya sus hijos se casaron pero sus nietos la van a visitar todos los días (En la foto aparece con su nieto de 10 años).

Su esposo era el que trabajaba pero al morir ella se quedo sin ningún ingreso económico, con unos cuantos ahorros que tenia ella compro pollos para vender a sus vecinos y amigos, poco a poco empezó a tener ingresos y compro un congelador porque en su refrigeradora ya no le alcanzaban los pollos.

Ella continua con el negocio por lo que es el primer ingreso económico que tiene desde que murió su esposo. Trabaja todos los días vendiendo pollos, pavo y carnes. Con el préstamo quiere comprar mas pollos, carnes, pavos para su negocio. En el futuro quiere tener una avícola de carnes, y así poder asegurar su vejez.

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
  • 85
    View loans »
    Ecuador Loans Fundraising
  • $25,054,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Enma Francisca chickens, meat, turkey.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 16, 2010
May 8, 2010
Currency Exchange Loss:
May 15, 2011