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Norma Yolanda
Norma, 41, lives in a periurban zone in La Perimetral in Guayaquil. Her husband is a merchant; he sells miscellaneous items. They have two children who are 17 and 13 years of age. She has a general store.

She started some time ago when her husband used to travel a lot on business and she cared for the children. One day she decided to open a small store. She currently runs it with her husband and one of her children.

With help from the loan she wants to buy more merchandise to stock the store and increase profits. In the future, she’d like to finish building her house.
View original language description ↓
Norma de 41 años, vive en una zona peri-urbana en la Perimetral. Su esposo es comerciante vende artículos varios. Y tienen dos hijos de 17 y 13 años. Tiene una tienda.

Comenzó hace un tiempo atrás cuando su esposo viajaba mucho por negocio y ella se dedicaba a cuidar niños un día decidió abrir una pequeña tienda. Actualmente lo realiza con el esposo y uno de sus hijos. Con la ayuda del préstamo quiere comprar mas mercadería para poder surtir su negocio y así incrementar sus ganancias. En un futuro desea adecuar su vivienda terminarla de construir.

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
  • 88
    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 $1,000 helped Norma Yolanda to buy merchandise to sell like oil, bedspreads and comforters.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 10, 2011
May 31, 2011
Currency Exchange Loss:
Aug 15, 2012