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Jovanna Elizabeth
J22-year old Jovanna lives in a suburb of Guayaquil. She sells Yambal products (Yambal is a company that sells cosmetics by catalogue and helps Ecuadorean women become sales agents). She lives with her grandmother and sister so she can help with household expenses. She began selling cosmetics at the age of 19.

All the time that Jovanna has been working for Yambal, she has invested her profits in buying more products. She works every day selling cosmetics, perfumes, lotions etc. In order to increase her sales, she wants to use the loan to buy more perfumes, lotions, and deodorants.

After a few years she wishes to buy a small store from which to sell cosmetics and personal products.
View original language description ↓
Jovanna de 23 años , vive en una zona periurbana en Guayaquil, es vendedora Yambal (es una compañía de venta de cosméticos por catalogo que ayuda a las mujeres del Ecuador a ser vendedoras potenciales). Ella vive con su abuela y su hermana para poder ayudar con los gastos familiares ella empezó como vendedora de cosméticos a los 19 años.

Durante todos los años que ha trabajado como vendedora Yambal por catalogo ha invertido sus ganancias en mas productos. Trabaja todos los días vendiendo cosméticos, perfumes, cremas etc. Para incrementar sus ventas ella quiere comprar con el préstamo perfumes, cremas y desodorantes.

Después de unos años ella quiere tener su propio local de cosméticos y productos de uso personal.

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
  • 80
    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 $800 helped Jovanna Elizabeth to buy perfumes, lotions, and deodorants.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 18, 2010
Jun 15, 2010
Currency Exchange Loss:
Jun 20, 2011