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Xiomara Teodora
Xiomara is 31 years old and a very inspiring woman. She learned, through a neighbor, that there was a school in her area that needed someone to open a snack bar and, as she needed to work, she opened one.

Xiomara works on her own, from 8.00am to 5.00pm. Her husband is a master builder and she has three children who do not live with her. Xiomara will use this loan to buy merchandise for her business in order to further increase her income and better build her home, buying cement and blocks. In the future, she would like to finish building her home and set up a restaurant.
View original language description ↓
Xiomara de 31 años, es una mujer muy inspiradora en su trabajo que por medio de una vecina que le indico que había una escuela del sector que necesitaba una persona para que abriera un bar en el lugar y por la misma razón que necesitaba trabajar la abrió.

Ella labora sola y su horario es de 8H00 am a 5H00 pm. Esta unida su conyugue es maestro albañil y tiene tres hijos que no viven con ella. Con el préstamo va a comprar mercaderia para su negocio para aumentar más sus ingresos y construir mejor su casa comprando cemneto, bloques. En un futuro desea terminar su vivienda y poner un restaurant.

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
  • $25,019,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Xiomara Teodora to buy cement and blocks to adapt her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 6, 2011
Apr 25, 2011
Currency Exchange Loss:
Apr 15, 2012