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Ana Maria
Anita, like she’s affectionately referred to by her neighbors, lives in Portoviejo-Manabí but was born in Charapoto. Charapoto is a district whose inhabitants farm and raise livestock. It’s a small town with very few growth opportunities. When she married Jorge they decided to live in Portoviejo, capital of Manabí. Anita has three children attending public elementary and secondary school; the last one is not yet in her care.

She started selling thanks to a girlfriend who told her some extra money would do her good since her seafood selling husband didn’t always do too well. She works alone during the morning showing catalogues or products to her relatives, neighbors and friends.

She comments that she likes it because it allows her to care for her children by not having a fixed work schedule. We asked her: “What risks does your business have?” and she commented: “Delivering products to someone who doesn’t pay on time or pay at all.” Anita will use the loan to buy merchandise like creams, perfume, shampoo, etc. Her future dream is to improve her home for a better lifestyle.
View original language description ↓
Anita como la llaman sus vecinos de cariño, vive en Portoviejo-Manabí pero nació en Charapoto. Charapoto es un recinto donde sus habitantes se dedican a la agricultura y ganadería. Es un pueblo pequeño en donde se tiene muy pocos probabilidades de crecer. Cuando se casó con Jorge decidieron vivir en Portoviejo capital de Manabí. Anita tiene 3 hijos que asisten a la escuela, colegio fiscal. Empezó vendiendo por una amiga quien le dijo que le vendría bien un dinero extra, como su esposo es vendedor de mariscos no siempre le iba bien. El trabajo lo realiza sola de mañana mostrando la revista o productos que tenga a sus familiares, vecinos y amigos. No comenta que le gusta porque le permite cuidar a sus hijos al no tener un horario fijo. Le preguntamos ¿Cuál es el riesgo que tiene su negocio? Y nos comento: Darle el producto a una persona que no le cancele a tiempo o no le pague. Con el préstamo Anita comprara mercadería como: cremas, perfumes, shampo etc. Su sueño futuro es arreglar su casa para mejorar su estilo de vida.

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
  • 57
    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 $1,575 helped Ana Maria to buy creams, perfume and shampoo.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 19, 2012
May 9, 2012
Currency Exchange Loss:
Mar 15, 2013