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Karen Jicell
Karen, age 27, is married to José, a master builder. They have two minor children. She has a high school education, and she was born in Colonche. Colonche is a settlement in a small area that works extensively with wood. Carpentry is the trade of a large part of the population.

She currently lives in La Libertad, which is in Guayaqul. She started her business because she needed to have additional income. As she is good at sales, she started selling clothes. Thanks to her effort and daily work, they have gotten ahead.

Her work schedule is from Monday through Friday mornings, taking advantage of the fact that her children are in school. Her biggest concern as a mother is that her children will get sick, and then she will not be able to sell.

She will use the loan to buy shoes, uniforms, and clothes. In the coming years she wishes to build her house and to have her family be secure in order to protect her loved ones.
View original language description ↓
Karen tiene 27 años. Está casada con José quien es maestro constructor. Tienen dos hijos menores de edad. Es bachiller y nació en Colonche. Colonche es un poblado de pequeña extensión con amplia trayectoria en el trabajo de la madera, pues es la carpintería el oficio de gran parte de sus habitantes. Actualmente vive en La Libertad que pertenece a Guayaquil. Empezó su negocio por la necesidad de tener un ingreso adicional y como la venta se le da bien incursiono en la ropa. Gracias a esfuerzo y trabajo diario han salido adelante. Su horario de trabajo es de lunes a viernes en la mañana ya que aprovecha que sus hijos se encuentran en la escuela. Su mayor preocupación como madre es que sus hijos se enfermen y no pueda realizar la venta. Con el crédito va a comprar zapatos, uniforme y ropa. En los próximos años desea construir su casa y tener un seguro familiar para proteger a sus seres queridos.

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
  • 77
    View loans »
    Ecuador Loans Fundraising
  • $24,585,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $875 helped Karen Jicell to buy shoes, uniforms, and clothes.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 4, 2012
May 13, 2012
Currency Exchange Loss:
Jun 12, 2012