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Maria Joaquina
María is 19 years old and has a small store. She lives in Fortín de Guayaquil (a suburban zone with dirt roads and hills). One of her sisters loaned her the space so that she could have a store, and she used the money she made to solve some economic problems she had due to her previous lack of job opportunities. She now works with the help of her father while she buys the supplies at the local markets. María works from 6 a.m. until 10 p.m. every day. With the loan, she plans to purchase rice, sugar and snacks for her business. In the future, she wants to expand her business so she can increase her profits and have enough money to study and help her father.
View original language description ↓
María de 19 años, tiene una pequeña tienda, vive en el Fortín de Guayaquil( zona periurbana, con caminos de tierra y lomas).

Una de las hermanas de María le presto el local para que ella tuviera su tienda y así sacar el dinero que le faltaba para completar algunas problemas económicos que tenia debido a la falta de oportunidades. En la actualidad trabaja con la ayuda de su papa mientras que ella comprar los víveres en los mercados. Trabajan desde las 06h00am hasta las 22h00pm todos los días.

Con el préstamo quiere comprar arroz, azúcar, snack para su negocio. En el futuro quiero quiere ampliar su negocio para tener mas ingresos y tener dinero para poder estudiar y ayudar a su papa.

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
  • 85
    View loans »
    Ecuador Loans Fundraising
  • $25,054,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Maria Joaquina purchase rice, sugar, snacks, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 15, 2010
Oct 25, 2010
Currency Exchange Loss:
Nov 15, 2011