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Julia Cruz
Julia, age 68, sells provisions from a store in the front part of her house. She lives in an area called Suburbio de Guayquil where most of the residents work as merchants.

Thirty five years ago, this area did not have a store or any other place to buy provisions. For this reason Julia decided to open the first store in the area so that she could earn income, support her family, and provide her neighbors with the opportunity to buy things. She currently works at her store from 8am until 4pm selling rice, canned goods, beverages, grains, and other products. To keep her business running and restock her store with more inventory, Julia wants to use this loan to buy beverages, rice, candy, and canned goods.

Her aspirations for the future include having a larger well-stocked store. She also wants to sell chickens to earn additional income.

View original language description ↓
Julia de 68 años, tiene una tienda de víveres en la parte delantera de su casa. Vive en una zona caracterizada porque la mayoría de sus habitantes son comerciantes llamada suburbio de Guayaquil.

Hace 35 años por el sector donde vivía no existía ninguna tienda o lugar donde comprar víveres fue por ello que ella decidió tener la primera tienda del sector para tener ingresos y poder mantener a su familia y darle una oportunidad a sus vecinos donde comprar. En la actualidad tiene su tienda de víveres y trabaja desde las 08h00am hasta las 16h00pm vendiendo arroz, enlatados, bebidas, granos etc. Para seguir con el negocio y surtir más su tienda ella quiere comprar con el préstamo bebidas, arroz, dulces, enlatados.

Sus aspiraciones para el futuro es que quiere que su tienda este mas surtida y grande, también quiere comercializar pollos para tener un ingreso adicional.

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
  • 88
    View loans »
    Ecuador Loans Fundraising
  • $24,583,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Julia Cruz purchase beverages, rice, candy, and canned goods.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 19, 2010
Nov 17, 2010
Currency Exchange Loss:
Nov 17, 2011