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Martha Isabel
Martha lives in the urban sector of Isla Trinitaria, in the south of Guayaquil, more precisely in the Coop Jacobo Bucarán, where she has had her own home for 16 years. Her business is located at her house; at the beginning, it consisted only in selling gallons of water and gas. She was very welcome in her neighbourhood because no one else sold these. Thanks to this, her business grew very swiflty, enabling her to gather the necessary capital to open an internet café. She attends customers together with her daughter, who studies computer science. The café stays open Monday to Sunday, from morning until night, in order to have customers. Martha tells us that her neighbourhood is quiet and thus she has not had serious trouble with criminal activity. She is married to Hermenegildo, who is an automobile mechanic. They have two children, who go to school and to state-run university. With the loan, Martha will buy provisions to expand her business as well as computer supplies for the internet café. She hopes to increase her sales in order to be able to build a second story to her house so as to have more space for her business.
View original language description ↓
Martha vive en Isla Trinitaria sector sur urbano de Guayaquil. Es la Coop Jacobo Bucarán donde tiene su casa propia hace 16 años donde abrió su negocio. En sus inicios solo vendía agua por galones y gas, tuvo gran acogida ya que en su barrio no había este tipo de productos, gracias a esto su tienda se desarrollo con gran rapidez por lo que reuniendo el capital necesario abrió un cyber. La atención al público la realiza con su hija quien estudia computación. El horario es de lunes a domingo desde la mañana hasta la noche para tener clientela. Martha nos comenta que su sector es tranquilo por ese motivo no ha tenido mayores problemas con respecto a la delincuencia. Está casada con Hermenegildo quien es mecánico automotriz. Tienen 2 hijos quienes estudian en la escuela y universidad pública. Con el crédito va a comprar víveres para ampliar su negocio también artículos de computación para el cyber. Espera aumentar sus ventas para poder arreglar un poco su casa construyendo el segundo piso para ampliar el local comercial.

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
  • 84
    View loans »
    Ecuador Loans Fundraising
  • $25,065,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,525 helped Martha Isabel to buy provisions and computer supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 18, 2012
Jun 2, 2012
Currency Exchange Loss:
May 17, 2013