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Maria Carmen
María is 46 years old. Thirteen years ago she started her business selling meals. She was motivated by her husband since he loved the meals that she prepared at home. Through hard work, she established her business selling meals from a street kiosk and called it “El arbolito” (Little Tree). She works with her husband from 12.00pm to 3.00pm, preparing food and delivering it, from Monday to Friday. On weekends they work evenings.

She sells each lunch for $1.60. This includes soup, main meal and juice. On weekends she sells rice with mixed vegetables and meat, chicken, pork, at $2.00 a dish. She works with the help of an employee and her husband who delivers the meals while she makes them. She lives with her husband and two children in an urban area. The area is noted for the fact that most of its residents are informal salespeople.

María would like to use her loan to buy rice, oil, drinks and meat so that she can make more meals. In the future, she would like her children to successfully complete their studies and to expand the premises.
View original language description ↓
María de 46 años, hace 13 años atrás comenzó con su negocio de venta de comidas en un puesto en la calle por motivación de su esposo ya que le encantaba la comida que ella preparaba en la casa. Con esfuerzo ubico su negocio de venta de comidas en un puesto en la calle y lo llama “El arbolito”. Trabaja con su esposo desde las 12h00 preparando la comida y repartiéndola hasta las 15h00 de lunes a viernes y los fines de semana trabajan en las noches.

Cada almuerzo los vende a $ 1.60 esto incluye sopa, plato fuete, jugo. Los fines de semana venden arroz con menestra con carne, pollo, chancho a $ 2.00 cada plato. Trabaja con ayuda de un empleado y su esposo que reparte la comida mientras que ella arma los platos. Vive con su esposo y dos hijos en una zona urbana llamada suburbio lugar caracterizado porque la mayoría de habitantes son comerciantes informales.

Con el préstamo quiere comprar arroz, aceite, bebidas, carnes para hacer más platos. En el futuro quiere que sus hijos terminen sus estudios con éxito y ampliar el lugar.

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
  • 76
    View loans »
    Ecuador Loans Fundraising
  • $25,023,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Maria Carmen to buy rice, oil and drinks.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 26, 2010
Dec 3, 2010
Currency Exchange Loss:
Jan 15, 2012