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Carmen Giovanna
Carmen is 33 years old and lives in Guasmo de Guayaquil. She sells Yambal products. Yambal is a company which provides female entrepreneurs with the opportunity to make their own independent sales.

To help with her family's expenses she began selling Yambal products. She works with her cousin's code as she is the official seller. When she had enough capital she bought products to have in stock. Currently, she offers products to her neighbors and friends from very early in the morning. She sells perfume for $20.00 to $75.00. One of her worries is having to leave her son alone with her mother while she goes out to work.

With her loan she would like to buy Yambal Products such as perfume, creams and deodorants. In the future she would like to be able to finish building her house and have rental rooms in order to have more money to provide a better life for her three children.
View original language description ↓
Carmen de 33 años, vive en el Guasmo de Guayaquil, ella vende productos Yambal (empresa que ofrece a mujeres emprendedoras comenzar con sus ventas independientes).

Para ayudar con los gastos familiares ella comenzó a vender productos Yambal, trabajan con el código de la prima como vendedora oficial, cuando tubo capital compro productos para tener en stop. En la actualidad desde muy temprano ofrece los productos a sus vecinos y amigos, vende perfumes desde $ 20.00 hasta $ 75.00 c/u. una de las preocupaciones que tiene es dejar solo a su hijo con su mama, mientras que sale a trabajar.

Con el préstamo quiere comprar productos Yambal como perfumes, cremas, desodorantes. En el futuro quiere terminar de construir su casa y tener cuartos de alquiler para tener mas dinero para darle una mejor vida a sus tres hijos.

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
  • 90
    View loans »
    Ecuador Loans Fundraising
  • $24,581,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Carmen Giovanna perfume, creams.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Sep 21, 2010
Oct 27, 2010
Currency Exchange Loss:
Nov 19, 2011