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Narcisa Monserrate
Narcisa sells products produced by Yanbal, a company that offers women entrepreneurs a means of making a living independently. She lives with her husband in Primavera de Duran, a degraded area on the outskirts of Guayaquil.

She started selling Yanbal products to pay for her son's schooling. She has steadily expanded her customer base as she gets out early in the morning to sell her wares, which include very affordable personal care products. She would like to acquire a stock of clothes in order to offer a greater range of products to her customers.

With the loan, she will buy Yanbal products, such as perfumes, creams and clothing. In the future, she would like to sell other types of products and expand sales to other areas.
View original language description ↓
Narcisa vende productos Yambal (empresa que ofrece a mujeres emprendedoras comenzar con sus ventas independientes). Vive con su esposo en Primavera de Duran (zona periurbana, con una ecología en disolución a las afuera de Guayaquil).

Para mantener a su hijo con los gastos escolares ella empezó a trabajar vendiendo productos Yambal. Poco a poco incremento su cartera de clientes porque trabaja desde muy temprano ofreciendo los productos recorriendo las calles, vende perfumes desde $ 15.00 hasta $ 55.00 c/u, cremas muy económicas. En la actualidad tiene la idea de surtir su mercadería con ropa para que lo clientes tengan más variedad al comprar.

Con el préstamo quiere comprar productos Yambal como perfumes, cremas y ropa para iniciar con las ventas. En el futuro quiere vender otra clase de productos y dirigir sus ventas en otros lugares.

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
  • 75
    View loans »
    Ecuador Loans Fundraising
  • $24,585,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Narcisa Monserrate buy cosmetics and clothing for resale.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 27, 2010
Nov 20, 2010
Currency Exchange Loss:
Dec 15, 2011