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Jessenia Lucia

Update on Jessenia Lucia

Jessenia, 32, has lived in Guayaquil since she was born. Among laughter she relates that she’s still unmarried because she hasn’t yet met her Prince Charming. She lives with her parents since her economy does not allow her to buy a house of her own.

She learned the business from her parents since they were in that line of work and then she decided to become independent selling dehydrated potatoes and stuffed green banana balls. Now she has a small snack bar with a large clientele since his products are very well-liked.

Jessenia informs us that the sector isn’t too dangerous but there is some crime which does concern her. Her future goal is to buy a house with an attached locale so that she doesn’t have to pay rent anymore and improve her income.
View original language description ↓
Jessenia tiene 32 años y ha vivido en Guayaquil desde que nació. Entre risas no cuenta que no se ha casado porque aun no conoce a su príncipe azul. Vive con sus padres ya que su economía no le permite comprar una casa propia. El negocio lo aprendió de sus padres quienes se dedicaban a esta actividad, luego decidió independizarse con la venta de choclo y verde. Luego con la ayuda de sus hermanas empezaron la venta de humitas y bollos. Ahora tiene un pequeño bar con mucha clientela ya que sus productos gustan mucho. Jessenia nos informa que el sector no es peligroso pero existe la delincuencia la cual si le preocupa. Su meta futura es comprar su casa con un local para no tener que alquilar y mejorar sus ingresos.

Previous Loan Details

24 year old Jessenia is an enterprising young woman whose mother taught her to make humita (a dish similar to tamales) when she was young so she started this humitas business so she will have good sales. With the help of her siblings, she currently goes out to sell humitas every day. The crime ... More from Jessenia Lucia's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Ecuador

  • $10,600
    Average annual income
  • 57
    View loans »
    Ecuador Loans Fundraising
  • $24,312,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,675 helped Jessenia Lucia to buy a freezer and raw materials.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 19, 2012
May 3, 2012
Currency Exchange Loss:
Jul 17, 2013
This photo was used before for a previous loan for Jessenia Lucia. It was first posted on Kiva on Mar, 2011. Learn More