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Florencia Esther
Florencia is 50 years old. She lives with her children along Guayaquil’s Beltway (a periurban zone surrounded by a salty estuary).

In the past she was only a housewife, but she needed her own income to help with the family expenses. She decided to invest her savings in the purchase of supplies. From that time on she has been reconditioning the front part of her house where she has the store. She has also been stocking it with merchandise and new products. She works by herself from 7:00 a.m. until 9:00 p.m. every day. She sells rice, canned goods, dairy products, and drinks, etc.

She wants to use the loan to buy rice, which is what she sells the most. She also wants to buy dairy products and drinks for her store.

In the future she wants to improve the construction of her house. Additionally, she wants her children to successfully complete their education.
View original language description ↓
Florencia de 50 años, vive con sus hijos en en la Perimetral de Guayaquil (zona periurbana, a su alrededor tiene el estero salado).

Antes solo era un ama de casa pero quería tener sus propios ingresos y ayudar con los gastos familiares así que decidió invertir sus ahorros y comprar víveres. Desde ese tiempo hasta ahora ella ha venido readecuando la parte delantera de su casa donde tiene la tienda y surtiéndola con mercedaria y productos nuevos. Trabaja desde las 07h00am hasta las 21h00pm todos los días la atiende sola. Vende arroz, enlatados, lácteos, bebidas etc.

Con el préstamo quiere comprar arroz ya que es lo que mas se vende y lácteos, bebidas para su tienda. En el futuro quiere tener su casa mejor construida y que sus hijos terminen los estudios con éxito.

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
  • 78
    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 Florencia Esther rice, canned goods, and drinks.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 27, 2010
Oct 29, 2010
Currency Exchange Loss:
Nov 19, 2011