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Julia Jacqueline
Julia is 35 years old and lives in the urban area of Suburbio de Guayaquil; she has 2 daughters who are 10 and 13 and are in primary school. She started sewing 17 years ago when she finished secondary school, but since she didn't have other job opportunities elsewhere, she started working out of her home mending clothing for her neighbors with a small sewing machine.

Little by little she increased her income in her workshop; 10 years ago, she invested in cloth and began making her own clothes for larger warehouses to sell. Due to this good decision, she now has industrial sewing machines and she sells retail to her customers. She works from 8 am to 7 pm every day.

She will use the loan to buy fabric and thread to sell more clothing to the larger warehouses. In the future she would like to have her own clothing line and distribute wholesale.
View original language description ↓
Julia de 35 años, vive en una zona urbana en el Suburbio de Guayaquil, tiene dos hijas de 13 y 10 años estudian en colegios fiscales. Empezó a ser costurera a los 17 años cuando salio del colegio, pero al no tener oportunidades de trabajo en otras partes, tuvo que trabaja desde su casa con una maquina pequeña haciendo trabajos de remendaduras a sus vecinos.

Poco a poco fue creciendo sus ingresos en el taller de costurera, hace 10 años atrás ella decidió invertir dinero en telas y confeccionar su propia ropa para almacenes. Por esa buena decisión ahora tiene maquinas de coser industriales y reparte al por menor a sus clientes. Trabaja desde las 08h00 hasta las 19h00 todos los días.

Con el préstamo quiere comprar telas y hilos para promocionar a los almacenes ropa confeccionada por ella. En el futuro quiere tener su propia línea de ropa y distribuir al por mayor.

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
  • 52
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Julia Jacqueline fabric and thread.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Apr 19, 2010
May 11, 2010
Currency Exchange Loss:
Feb 15, 2011