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Cecilia Holanda
Cecilia’s business started small 11 years ago, as she only sold school supplies. Little by little, her business grew and she obtained stationery supplies which sold better and have increased her earnings.

However, as everything has become more expensive, it is not enough to support her three children who are 21, 11 and 2 years old.

Since she is a single mother, it has been difficult for her to get ahead but she has not given up. She says that her children are her motivation and strength to continue pushing forward. She decided to take out a loan in order to stock her business and buy perfumes, notebooks, pencils and clothing from Avon and Yanbal, the brands she sells.

View original language description ↓
Cecilia inició su negocio hace 11 años, arrancó con algo muy pequeño por lo que solo vendía utiles escolares.Poco a poco fué creciendo y fué adquiriendo cosas de bazar, con lo que le ha ido mejor ha aumentado sus ingresos.

Pero como todo encarece no le alcanza para mantener a sus tres hijos los cuales tienen 21,11 y 2 años respectivamente.

Como es madre soltera le ha costado salir adelante pero no se da por vencida ya que como dice ella sus hijos son su razón y su fuerza de seguir luchando. Para surtir su negocio está decidida a hacer un préstamo, el cual lo utilizará para comprar perfumes, cuadernos, lapices, ropa de AVON, YANBAL que son las marcas que ella vende.

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
  • 50
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Cecilia Holanda to buy perfumes, notebooks, pencils, clothing and costume jewelry.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 11, 2011
Aug 15, 2011
Currency Exchange Loss:
Aug 15, 2012