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Norma Juliana
Norma, 48, lives in Primavera de Duran (an urban outskirt that was originally irregular with several hills, streams and lagoons that still persist as remains of ecology in dissolution). Her husband is a Security Guard and they have three children who attend public schools.

She started her activity a few years ago. She had two unused freezers so she started to make home-made bolos (frozen fruit treats) using a little capital she had. This is how she started out as a merchant.

She wants to use the loan to fix up her house. She will buy cement, sand and stone in order to have a better life with her family and more room for her business.
View original language description ↓
Norma de 48 años, vive en la Primavera de Duran (perímetro urbano fue originalmente irregular, con varios cerros, riachuelos y lagunas que aún se presentan como restos de una ecología en disolución)su esposo es guardia de seguridad y tienen 3 hijos que estudian en escuela fiscales.

Comenzó su actividad hace unos años atrás ella tenia 2 neveras desocupada y fue así que inicio su ventas de helados hielos bolos elaborados por ella con un pequeño capital que tenia empezo su actividad como comerciante.

Con el préstamo ella quiere empezar a adecuar su vivienda comprando cemento, arena, piedras para asi tener una mejor vida con su familia y tener mas espacio en su negocio.

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
  • 63
    View loans »
    Ecuador Loans Fundraising
  • $24,996,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Norma Juliana to buy building materials and supplies.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 15, 2011
May 8, 2011
Currency Exchange Loss:
May 15, 2012