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Irma Isabelina
Irma is a 42-year-old single woman, the mother of four children. She lives with three of them in Santo Domingo, which is one of the youngest cities in the country. Currently it has become the connection point between the mountains and the coast. It is a privileged area, not only for its ethnic riches but also for the landscapes you can see from the moment you enter this beautiful city. Santo Domingo de los Colorados is currently in the province of Santo Domingo de los Tsáchilas, recently formed in 2007.

Irma has had a business selling clothing and costume jewelry for seven years; this is how she supports her household. This enterprising woman wants to make an investment buying clothing and costume jewelry to increase the stock of the merchandise she sells. For this Irma has trusted in Fundación Alternativa, the intermediary institution between Kiva and herself, to get her first loan. With this she plans to get greater profits because with a greater selection she can even attract a larger clientele.

The lack of capital and growth opportunities has been a big obstacle for this woman. Thanks to Kiva and Fundación Alternativa, Irma not only will have a loan, but she also will be able to get training and advice in such a way that she will have sustainable growth.
View original language description ↓
Irma es una mujer de 42 años soltera, madre de 4 hijos. Vive con tres de ellos en Santo Domingo que es una de las ciudades más jóvenes del país, actualmente se ha constituido en el punto de enlace entre las región Sierra y Costa. Es un sitio privilegiado, no solo por la riqueza étnica, sino también por los paisajes que se pueden encontrar desde el ingreso mismo a esta bella ciudad. Santo Domingo de los Colorados pertenece actualmente a la provincia de Santo Domingo de los Tsáchilas, recientemente conformada en el 2007.

Irma tiene un negocio de venta de ropa y bisutería desde hace 7 años; de esta manera sostiene a su hogar. Esta mujer emprendedora quiere hacer una inversión comprando ropa y bisutería para incrementar el surtido de la mercadería que ofrece. Para esto Irma ha confiado en Fundación Alternativa, que es la institución intermediaria entre KIVA y ella y de esta manera obtener su primer crédito. Con esto piensa obtener mayores ganancias ya que al tener mayor surtido, incluso puede atraer mayor clientela.

La falta de capital y las oportunidades de crecimiento ha sido un gran obstáculo para esta mujer, y gracias a KIVA y Fundación Alternativa, Irma no solamente obtendrá un crédito sino que podrá obtener capacitación y asesoría de tal manera que pueda tener un crecimiento sustentable.

Additional Information

About Fundación Alternativa

Fundación Alternativa encourages entrepreneurship and provides sustainable financial and non-financial services that promote social and economic development in Ecuador. The organization focuses on serving poor and excluded populations through analysis of clients' living conditions and by providing business training and other support services in urban, rural and marginalized parts of the country.

About Ecuador

  • $10,600
    Average annual income
  • 51
    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 Irma Isabelina to buy clothing and costume jewelry to sell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 14, 2012
Mar 26, 2012
Currency Exchange Loss:
Dec 15, 2012