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Luz America
Luz is 49 years old and lives in Primavera, Duran (an area on the outskirts of the city which was originally built upon without official permission. The area has several hills, streams and lakes which are still visible as the remains of a broken ecology). Luz is single and her business is selling meals.

Luz started her business some time ago. She set up the business because there was no food business in her neighborhood. She works alone from 5.00pm to 10.00pm. With the help of this loan, she would like to buy building supplies to fix up her home, so that she can have a space for her business.
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Luz de 49 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). Es soltera. Se dedica a la venta de comidas.

Comenzó hace un tiempo atrás por medio de la gente de su sector que ponga un negocio de comida ya que no había por su barrio. Labora sola desde las 5H00 pm a 10H00 pm. Con la ayuda del préstamo desea comprar materiales de construcción para adecuar su vivienda y tener un espacio para 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Ecuador

  • $10,600
    Average annual income
  • 77
    View loans »
    Ecuador Loans Fundraising
  • $25,057,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Luz America to buy sand and blocks to finish fixing up her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 2, 2011
Jun 26, 2011
Currency Exchange Loss:
Jun 15, 2012