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Maruja, age 40, has a small stationery store, and she sells clothes. She lives in Primavera de Duran (a peri-urban zone in a deteriorating ecosystem) on the outskirts of Guayaquil.

She always wanted to be a merchant, but she did not have the means to do so. With some savings, and in time, she was able to buy stationery. She established a small business in order to be able to support her children. She used her earnings to little by little stock her store. In the morning she takes care of the stationery shop, and in the afternoon she goes door to door to sell clothes. This way she has an additional income.

She wants to use the loan to buy stationery supplies and notebooks in order to meet all of her customers’ needs. In the future she wants to have a stationery shop with lots of merchandise. She would also like to be head of a group of people selling cosmetics.
View original language description ↓
Maruja de 40 años, tiene una pequeña papelería y vende ropa. Vive en Primavera de Duran (zona periurbana, con una ecología en disolución a las afuera de Guayaquil).

Ha ella siempre le gusto ser comerciante pero no tenia los medios necesarios para serlo, con algunos ahorros y a su debido tiempo ella pudo comprar papelería y adecuar un pequeño negocio para poder mantener a sus hijos. Poco a poco fue surtiendo su negocio con las ganancia. En las mañana atiende la papelería y en la tarde recorre las casas para ofrecer ropa y así tener un ingreso adicional.

Con el préstamo quiere comprar papelería y cuadernos para satisfacer todas las necesidades de sus clientes. En el futuro quiere tener una papelería con mucha mercedaria y ser directora de cosméticos.

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
  • 99
    View loans »
    Ecuador Loans Fundraising
  • $25,071,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Maruja notebooks and stationery supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 6, 2010
Oct 25, 2010
Currency Exchange Loss:
Apr 15, 2011