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Silvia Josefina
Silvia is 30 years old. She sells Yambal products. Yambal is a business that offers female entrepreneurs the opportunity to sell independently. She lives in a suburban area with dirt roads called Fortin de Guayaquil.

She carries out her work only in order to support her two children, ages 3 years and 11 months. She works from very early in the day offering products to her neighbors and friends. She sells perfumes from $20.00 to $75.00 per unit. In order to have more income, she also sells drinks and snacks to her neighbors’ children.

With the loan she wants to buy Yambal products such as perfumes, creams and drinks. In the future she wants to finish building her house and to have a place for a small shop.

View original language description ↓
Silvia de 30 años, ella vende productos Yambal (empresa que ofrece a mujeres emprendedoras comenzar con sus ventas independientes), vive en una zona periurbana con caminos de tierra llamada Fortin de Guayaquil.

Realiza su trabajo sola para poder mantener a sus dos hijos de tres años y otro 11 meses, trabaja desde muy temprano ofreciendo los productos a sus vecinos y amigos, vende perfumes desde $ 20.00 hasta $ 75.00 c/u. Para tener mas ingresos también vende bebidas y snack a los hijos de sus vecinos.

Con el préstamo quiere comprar productos Yambal como perfumes, cremas y bebidas. En el futuro quiere terminar de construir su casa y tener un local para una pequeña tienda.

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
  • 69
    View loans »
    Ecuador Loans Fundraising
  • $24,622,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Silvia Josefina perfumes, creams, drinks.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Sep 14, 2010
Oct 25, 2010
Currency Exchange Loss:
Jun 20, 2011