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Silvia Karina
Silvia, age 30, lives in a periurban zone named Fortín. She is a single mother, and she has three children. The children are 11, 8, and 4 years old. They (appearing in the photo) attend a government school. She has worked with dedication for a long time in order to give her children a good life.

Three years ago she started with the idea of having her own business. She was not able to establish her business until eight months ago. Little by little she was able to better stock the place where she was selling tools, and she turned it into a small hardware store. She now works from 11:00 a.m. until 6:00 p.m. She sells cables, lights, scales, and tools, etc.

She wants to give her children a good future. Therefore, she wants to continue her business. She will use the loan to buy cables, bolts, and tools. One of her goals is to become an exclusive distributor of replacement parts on the coast.
View original language description ↓
Silvia de 30 años, vive en una zona periurbana llamada Fortín es madre soltera tiene tres hijos de 11, 8 y 4 años de edad que estudian en una escuela del gobierno (aparecen en la foto). Con dedicación ella ha trabajado durante mucho tiempo para darles una buena vida a sus hijos.

Comenzó con la idea de tener su propio negocio hace tres años atrás pero no pudo realizar su negocio sino en este año hace 8 meses atrás. Poco a poco pudo surtir más su pequeño puesto de venta de herramientas hasta convertirlo en una pequeña ferretería. Ahora trabaja desde las 11h00am hasta las 18h00pm vende cables, focos, balanzas, herramientas etc.

Quiere darle un buen futuro a sus hijos por eso quiere continuar con su negocio comprando con el préstamo cables, pernos, herramientas. Una de sus metas es convertirse una distribuidora exclusiva en repuestos y herramientas de la costa.

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

  • $10,200
    Average annual income
  • 58
    View loans »
    Ecuador Loans Fundraising
  • $23,551,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Silvia Karina to buy cables, bolts, and tools.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 30, 2010
Listed
Dec 23, 2010
Currency Exchange Loss:
N/A
Ended:
Dec 15, 2011