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Carmen Alexandra
Carmen is 33 years old. She sells articles and costume jewelry from a street stall. She lives with her two children aged 10 and 12 in an urban area which is characterized by the fact that most of its inhabitants are salespeople. It is called Guayaquil suburb.

Since she separated from her husband, she began selling merchandise as a way to support her children in a stable economic situation. She started off selling costume jewelry and personal products and, little by little, with effort, she bought lots of different types of costume jewelry until she managed to get a street stall from which to sell her merchandise. She currently works in her business from 7.00am to 3.00pm so that she can spend more time with her children.

She will use her loan to buy toys and Christmas products since demand increases during this season. In the future she would like to improve her sales and be able to buy a house.
View original language description ↓
Carmen de 33 años, vende artículos y bisutería en un puesto en la calle. Vive con sus dos hijos de 10 y 12 años en una zona urbana caracterizada porque la mayoría de sus habitantes son comerciantes llamada suburbio de Guayaquil.

Desde que se separo de su esposo ella comenzó a realizar actividades comerciantes para poder mantener a sus hijos en una situación económica estable. Inicio sus ventas vendiendo bisutería y productos personales poco a poco con esfuerzo pudo comprar bisutería de todo tipo hasta que pudo conseguir un puesto en la calle para vender su mercadería. En la actualidad ella realiza su actividad comercial desde las 07h00am hasta las 15h00pm para pasar más tiempo con sus hijos.

Con el préstamo quiere comprar juguetes y artículos navideños ya que por estas épocas se incrementa la demanda. En el futuro quiere mejorar sus ventas para poder comprar una casa.

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
  • 67
    View loans »
    Ecuador Loans Fundraising
  • $24,996,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Carmen Alexandra to buy toys and Christmas products.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 26, 2010
Nov 17, 2010
Currency Exchange Loss:
Jan 15, 2012