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Jovanna Germania
Jovanna sells chickens ready to cook. She lives with her two daughters, 15 and 12 years old, in a periurban area with all of the basic utilities. It is located in the Perimetral de Guayaquil, an area surrounded by a marsh.


Nine months ago, the father of her daughters abandoned her and she had to take responsibility of the household expenses. This is why she decided to invest her savings in chickens to sell them at a price where she can earn money. She buys them very economically at a poultry farm and sells them to her neighbors and acquaintances in the area. She still does not have a place for her business, which is why she uses the door of her house to deal with the chickens that they request.


With the loan, she wants to purchase cement and zinc to fix her house because it is not well-built. In the future she wants to have her house fixed for her children.

View original language description ↓
Jovanna vende pollos listos para cocinar. Vive con sus dos hijas de 15 y 12 años en una zona periurbana con todos los servicios básicos el lugar está ubicado en la Perimetral de Guayaquil zona rodeada de un estero.

Hace 9 meses el papa de sus dos hijos la abandono y ella tuvo que encargarse de los gastos de la casa. Por eso decidió invertir sus ahorros en pollos para venderlos a un valor donde ella pueda ganar dinero. Los comprar en una avícola muy económicos y los vende a sus vecinos y conocidos del sector. No tiene local aun por eso utiliza la puerta de su casa para despachar los pollos que les piden.

Con el préstamo quiere comprar cemento, zinc para arreglar su casa que no esta bien construida. En el futuro quiere tener arreglada su casa para sus 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Ecuador

  • $10,600
    Average annual income
  • 54
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Jovanna Germania cement, zinc.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 10, 2010
Listed
Dec 1, 2010
Currency Exchange Loss:
N/A
Ended:
Mar 15, 2012