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Zoila Wendy
Zoila, 32, lives in a built up area on the outskirts of Guayaquil. Until a few years ago she made handicrafts and drawings as a way to make ends meet, but wanted to start her own business and so decided to invest her profits from the drawings in a stationery shop.

Little by little as she invested the money from her drawings, she began to earn enough to turn her home into a suitable location for her business. It was a good decision and she now has her stationery shop, where she works from 9am to 8pm every day. Her 14 year-old daughter helps in the shop when Zoila goes to make their meals.

To grow the business, Zoila wants to buy notebooks, stationery, and pens with the loan. In the future she would like to relocate the business to a busier location.
View original language description ↓
Zoila de 32 años, vive en una zona urbana en el suburbio de Guayaquil, hace unos años atrás ella hacia manualidades y dibujaba para tener ingresos para solventar sus gastos, pero como quería su propio negocio decidió invertir las ganancias de los dibujos en papelería.

Poco a poco desde que comenzó a dibujar e invertir su dinero comenzó a ganar dinero para hacer readecuaciones en su casa y construir un local para su negocio, por la buena decisión de tener más ingresos ella ahora tiene una papelería trabaja desde las 09h00am hasta las 20h00pm todos los días, su hija de 14 años le ayuda atender la papelería mientras que ella hace la comida.

Para poder incrementar su papelería ella quiere comprar con el préstamo cuadernos, papelería, plumas, en el futuro quiere ubicar su negocio en un lugar mas concurrido.

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
  • 76
    View loans »
    Ecuador Loans Fundraising
  • $24,585,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Zoila Wendy notebooks; stationery.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 9, 2010
Jul 28, 2010
Currency Exchange Loss:
Jul 15, 2011