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Johana Rosalia
Johana is 29 years old and lives in the Fort of Guayaquil (a peri-urban area with dirt roads and hills). She started selling paper and other accessories to children in schools (in Ecuador they are called "bazaars").

With the income she earned, she bought a display case and merchandise. With effort and dedication, she now has a stationary store in the front part of her house where she sells drinks, stationary, and notebooks. She works from 7:30am until 8:00pm every day.

With this loan, she would like to purchase notebooks, drinks, and display cases for her stationary store. She will be able to give a better future to her four children and her husband, who operates machinery.

One of her goals is to have a well established business and give her children a better future so they can be successful professionals.
View original language description ↓
Johana de 29 años, vive en el Fortín de Guayaquil (zona periurbana, con caminos de tierra y lomas) en donde empezó a vender en las escuelas papelería (En Ecuador se los llama “bazar”) y varios accesorio a los niños.

Con los ingresos que fue obteniendo pudo comenzar con una vitrina y varios accesorios. Con esfuerzo y dedicación ahora tiene una papelería en la parte delantera de su casa vende bebidas, papelería, cuadernos. Trabaja desde las 07h30am hasta las 20h00pm todos los días. Con el préstamo quiere comprar cuadernos, bebidas y vitrinas para su papelería y así darles un mejor futuro a sus cuatro hijos y su esposo que es operador de maquinas.

Uno de sus objetivos es tener su negocio bien establecido y darles un futuro a sus hijos para que sean unos profesionales exitosos.

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
  • 95
    View loans »
    Ecuador Loans Fundraising
  • $25,028,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Johana Rosalia purchase beverages, stationary and display cases for her stationary store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 17, 2010
Jan 10, 2011
Currency Exchange Loss:
Nov 15, 2011