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Clemencia Pilar
Clemencia, 44, lives in an urban zone in Las Orquídeas (so called because at its beginning there were many orchid flowers) in Guayaquil. She is married and her husband works manufacturing advertising fencing. They have two children who are 13 and 15 years old and attend public school. She is a private teacher at an educational institution.

She started some time ago working at an educational institution because as a licensed teacher she decided to open that type of business. She works Monday through Friday from 7am until 2pm with the help of three additional teachers.

With help from the loan she plans to buy building materials and supplies like cement, bricks and paint to build another educational institution in the future.
View original language description ↓
Clemencia de 44 años, vive en una zona urbana en las Orquídeas (llamado así porque en su originalidad había muchas flores orquídeas) de Guayaquil. Esa casada y el trabajo haciendo vallas publicitarias tienen dos hijos de 13 y 15 años que estudian en colegios fiscales. Es maestra particular en una institución educativa.

Comenzó hace un tiempo atrás en una institución educativa ya que ella es licenciada en educación decidió abrir ese tipo de negocio. Ella labora de lunes a viernes de 7H00 am a 14H00 pm con ayuda de tres maestras mas. Con la ayuda del préstamo desea comprar materiales de construcción como cemento, ladrillos, pinturas para en un futuro construir otra institución educativa.

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
  • 99
    View loans »
    Ecuador Loans Fundraising
  • $25,071,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Clemencia Pilar to buy building materials and supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 23, 2011
Jun 23, 2011
Currency Exchange Loss:
Jun 15, 2012