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Ana Justina
Ana, 45, lives in Guasmo, Guayaquil (an urban zone whose residents are informal merchants for the most part). She has a general store where she stocks baked goods, groceries and some stationery items.

When she started out she only sold bread to her neighbors and acquaintances. However, due to their requesting other items, she started to buy groceries until her small bakery turned into a store. During these years she has worked from 5:30am until 11pm every day. She and her husband, who helps out in the store, get up every day to tend to it.

In order to stock it better, she wants to use the loan to buy a freezer and dairy products.

In the future, she’d like to enlarge her store so that sales will increase.
View original language description ↓
Ana de 45 años, vive en el Guasmo de Guayaquil, (zona urbana, la mayoría de los habitantes son comerciantes informales), ella tiene una tienda surtida, vende panes, víveres y algunos artículos de papelerías.

Cuando comenzó solo vendía panes a sus vecinos y conocidos pero como le pedían mas productos empezó a comprar víveres, hasta que su pequeña panadería se convirtió en una tienda, durante esos años ha venido trabajando desde las 05:30 hasta las 23:00pm todos los días, con la ayuda de su esposo se levantan todos los días para atender la tienda.

Para poder surtir mas la tienda ella quiere comprar con el préstamo un congelador, lácteos. en el futuro quiere ampliar su negocio para incrementar las ventas.

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
  • 58
    View loans »
    Ecuador Loans Fundraising
  • $24,312,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Ana Justina for a freezer and dairy products.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 22, 2010
Listed
Jul 23, 2010
Currency Exchange Loss:
N/A
Ended:
Aug 27, 2011