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Janina Elizabeth
Janima, 23, lives in Fortín de Guayaquil (a hilly periurban area with unpaved streets). She has a grocery store in her home.

She started out with just a display case selling candy and beverages. Gradually she stocked foodstuffs. She now has a small stocked store that she operates out of one of her home’s windows; she sells candy, beverages and grains.

She wants to use the loan to buy rice, beverages and vegetables to improve and better stock her store. In the future she’d like her store to be larger and better stocked.
View original language description ↓
Janima de 23 años, vive en el Fortín de Guayaquil (zona periurbana, con caminos de tierra y lomas), tiene una tienda de víveres en la ventana de su casa.

Ella comenzó con una vitrina vendiendo dulces y bebidas, poco a poco fue surtiendo su local con víveres, hasta ahora que tiene una pequeña tienda surtida en la ventana de su casa vende dulces, bebidas, granos.

Con el préstamo quiere comprar arroz, bebidas, legumbres para mejorar y surtir su tienda. En el futuro quiere tener mas grande y surtido su negocio.

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
  • 86
    View loans »
    Ecuador Loans Fundraising
  • $24,583,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Janina Elizabeth for rice and beverages.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 13, 2010
Aug 11, 2010
Currency Exchange Loss:
Jun 20, 2011