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Maria Teresa
María is 23 years old and lives in the periurban area of Orquídeas de Guayaquil. She sells products manufactured by Yanbal, a company that offers women entrepreneurs the opportunity to start their own independent sales businesses. Even though María is divorced, she continues working for her children who are 7 and 6 years of age.

Working alone, she wakes up very early to begin offering products to her neighbors and friends. María sells perfumes, crèmes, and deodorants. With this loan, she wants to buy Yanbal products such as perfumes, crèmes, and deodorants. In the future she wants to finish the construction of her house, become a Yanbal director, and have her own shop.

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María de 23 años, en una zona periurbana en las Orquídeas de Guayaquil, ella vende productos Yambal (empresa que ofrece a mujeres emprendedoras comenzar con sus ventas independientes), aunque esta divorciada ella sigue trabajando para su hijos dos hijos de 7 y 6 años.

Realiza su trabajo sola, trabaja desde muy temprano ofreciendo los productos a sus vecinos y amigos, vende perfumes, cremas, desodorantes. Con el préstamo quiere comprar productos Yambal como perfumes, cremas, desodorantes. En el futuro quiere terminar de construir su casa y ser directora Yambal poder tener su propio local.

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
  • 104
    View loans »
    Ecuador Loans Fundraising
  • $25,057,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Maria Teresa purchase perfumes, crèmes, and deodorants.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 9, 2010
Aug 22, 2010
Currency Exchange Loss:
Oct 27, 2011