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Zoila Luz Marina
Zoila is a 53 year old women who lives in Isla Trinitaria, an area adjoining Guayaquil. She has her own little restaurant there. She began this business eight years ago because she has always loved to cook.

With the help of her daughter-in-law, she begins cooking at 8:00AM onwards until nighttime, selling lunches and snacks.

She has always had problems with her vision. Although they have operated on her eyes, she continues to have poor sight.

She is married to a construction worker. Together they have four children who are 32, 28, 26, and 22 years old. None of them have worked in Zoila’s stand.

She will use the money from the loan to make improvements to her facility and thus offer better service to her customers.
View original language description ↓
Zoila es una mujer de 53 años y vive en Isla Trinitaria, una zona periurbana de Guayaquil. Allá tiene su propio pequeño restaurante. Empezó hace 8 años con este negocio como siempre le ha gustado cocinar.

Con la ayuda de su nuera, empieza a cocinar desde las 8AM hasta la noche, vendiendo almuerzos y meriendas.

Siempre ha tenido problemas con su vista. Se la operaron los ojos, pero su vista sigue siendo mal.

Está casado con un albañil. Juntos tienen 4 hijos, de 32, 28, 26 y 22 años de edad. Ninguno de ellos se ha puesto a cargo de Zoila.

Ella va a usar su prestamo para mejorar su local y así ofrecer un mejor servicio a sus clientes.

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
  • 70
    View loans »
    Ecuador Loans Fundraising
  • $24,619,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Zoila Luz Marina to buy rice, and tables and chairs for her restaurant.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 30, 2011
Dec 17, 2011
Currency Exchange Loss:
Jan 15, 2013