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Flor Maria
Flor is 37-years-old and lives on the outskirts of Paraíso Guayaquil. Her husband is a photographer’s assistant. They have a 10-year-old daughter and an 11-year-old son. For two years, in order to help with household expenses, she has been selling CDs around the streets of Paraíso (a mountainous area with dirt roads) on a tricycle. Little by little she has increased her income.

For this good income, she now works in a stall selling CDs of movies, music videos, games, etc. Occasionally she sells cleaning products, and she works from 7 a.m. until 8 p.m. With the loan she’s requesting she wants to buy CDs and cleaning products for her business.

In the future she wants to increase the number of products she sells, and also finish building her house.
View original language description ↓
Flor de 37 años, vive en una zona periurbana en el Paraíso de Guayaquil, su esposo es ayudante de fotografía ellos tienen una niña de 10 años y un niño de 7 años, hace dos años atrás para ayudar con los gastos familiares ella empezó a vender CD recorriendo en un triciclo las calles de Paraíso( lugar montañoso con calles de tierra), poco a poco fueron incrementando sus ingresos.

Por esos buenos ingresos ahora ella trabaja en un local vendiendo CD de películas, videos musicales, juegos etc. En ocasiones vende productos de limpieza, trabaja desde las 07h00 hasta las 20h00pm. Con el préstamo quiere comprar CD y productos de limpieza para su negocio.

En el futuro quiere que su negocio aumente con productos, también terminar de construir su casa.

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
  • 50
    View loans »
    Ecuador Loans Fundraising
  • $24,300,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Flor Maria purchase of CDs and cleaning products to sell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 6, 2010
May 16, 2010
Currency Exchange Loss:
May 15, 2011