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Rosa Maria
Rosa is 48 year old. She lives in Primavera de Duran (an area in the outskirts of Guayaquil with a deteriorating ecosystem). She has a store in a window of her house (as shown in the photo) to help her meet her expenses.

She started buying provisions to help her husband with their expenses, and also to be able to spend more time with her children. She purchased drinks, grains, oils etc. When her children grew up, she continued with the business. Since she didn't have a separate a store, she made a stand outside her home. Since then, she has worked in it from 6:30am until 9:00pm every day.

With the loan, she wants to purchase construction materials for her house; materials like cement and paint. In the future, she wants to finish construction on her home.
View original language description ↓
Rosa de 48 años, vive en Primavera de Duran (zona periurbana, con una ecología en disolución a las afuera de Guayaquil), ella tiene una tienda en la ventana de su casa (aparece en la foto) para solventar sus gastos.

Ella comenzó a comprar víveres para ayudarle a su esposo con los gastos y también pasar mas tiempo con sus hijos, compro bebidas, granos, aceites etc. Cuando crecieron ella continuo con su negocio como no tuvo oportunidad de un local construyo un puesto para la tienda afuera de su casa. Ahora desde ese tiempo hasta ahora trabaja desde las 06h30am hasta las 21h00pm todos los días.

Con el préstamo quiere comprar materiales de construcción para su casa como cemento, pinturas. En el futuro quiere 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
  • 54
    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 $800 helped Rosa Maria cement, paint.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 5, 2010
Jul 27, 2010
Currency Exchange Loss:
Aug 15, 2011