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Juana Francisca
Juana, aged 43, lives in the built-up area of El Guasmo. (The name is derived from Guazuma ulmifolia, the scientific name of a species of trees that is known by the common name of bastard cedar or bay cedar.) El Guasmo was formerly a ranch. Now it is a working-class neighborhood of Guayaquil with people of humble origin. Juana lives in a house built with cement, where all basic utilities are available. She is married and the mother of three children, 23-year-old twins and one 5-year-old child.

Juana owns a store. She started her business 20 years ago, thanks to the motivation received from her parents. In the beginning she sold candy, but progressively she added more goods. She works from 6 am to 10 pm. She sells chickens (a chicken of 1.20 pounds for the price of $2.00), rice (30 quintals) and sugar (35 quintals). She wants to use her loan to buy more goods for her store, such as vegetables, basic provisions and chickens. In the future she wants to stock up more goods, expand her store and add a stationary section.
View original language description ↓
Juana de 43 años, vive en una zona urbana en el Guasmo (fue nombrado así debido a la especie de árboles Guazuma ulmifolia. El Guasmo es un barrio popular, de clase humilde, que anteriormente era una hacienda) de Guayaquil, su casa es de cemento y si cuenta con todos los servicios básicos, esta casada y tienen 3 hijos 2 mellizos de 23 años y 1 de 5 años. Tiene una tienda .

Ella comenzó en su negocio hace 20 años gracia a la motivación que le dio su padres, al inicio vendía caramelos pero con el tiempo lo fue surtiendo. Ella labora de 6H00 am a 10H00 pm. Ella vende pollos a $2,00 cada uno por 1.20 libras, arroz 30qq , azúcar 35qq. Con ala ayuda del préstamo quiere comprar mas productos para su negocio como verduras, abastos, pollos. En un futuro desea surtir mas su negocio y agrandarla y poner una papelería.

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
  • 94
    View loans »
    Ecuador Loans Fundraising
  • $24,583,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Juana Francisca to buy vegetables, basic provisions and chickens.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Apr 20, 2011
May 25, 2011
Currency Exchange Loss:
Aug 15, 2012