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Yolanda Jessenia
Yolanda is thirty-one years old and lives in Quevado. Her business is the small-scale purchase and sale of vegetables. It is located in the city center, since this allows her to make more sales.

Yolanda tells us that she learned the business thanks to her father, who taught her and inculcated the value of responsibility and hard work. She tells us that she made her first sales by putting her products in cases and then covering the various sectors of the city on foot. She was often tired but she sold more this way because she could look for clients. When she was able to get together a little capital, she decided to become independent by renting a shop. She tends the business every day from 7:30 in the morning onward. At the moment, she tells us that she doesn't have any difficulty with thieves since there are police guards in the city center.

Yolanda has two daughters who attend the public school: Bella, 12, and Daniela, 7. With this loan, Yolanda hopes to buy vegetables (including onions, garlic, and potatoes in sacks) for small-scale distribution. She hopes to increase her sales in this way in order to support her daughters in their studies and in becoming professionals so that they won't have difficulties in future life. Her dream is to have a poultry farm, which she is already preparing for.
View original language description ↓
Yolanda tiene 31 años de edad y vive en Quevedo. Su negocio es la venta y compra de legumbre por menor. El puesto de negocio lo tiene ubicado en el centro de la ciudad ya que de esa manera tiene más ventas.
Yolanda nos cuenta que aprendió el comercio gracias a su papá quien le enseño e inculco el valor de la responsabilidad y trabajo. Nos cuenta que sus primeras ventas las realizo colocando el producto en fundas para luego recorrer a pie los sectores. Era cansado pero de esta manera vendía más porque ella buscaba a los clientes. Cuando pudo reunir un poco de capital decidió independizarse alquilando un local. El negocio lo atiende ella todos los días desde las 7:30 de la mañana en adelante. De momento nos comento que no tiene ninguna dificultad con ladrones ya que en el centro hay resguardo policial. Tiene 2 niñas quienes asisten a la escuela fiscal, Bella de 12 años y Daniela de 7 años. Con el crédito Yolanda espera comprar verduras para su venta como cebollas, ajos, papas en sacos para la distribución al menor. Espera con esto ampliar sus ventas para apoyar a sus hijas en el estudio y sean profesionales así el día de mañana no tengas dificultades en la vida. Su sueño es tener una granja avícola para lo cual se está preparando.

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

  • $10,200
    Average annual income
  • 15
    View loans »
    Ecuador Loans Fundraising
  • $22,541,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Yolanda Jessenia to buy onions, garlic, potatoes in sacks.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 25, 2012
Listed
Jun 3, 2012
Currency Exchange Loss:
N/A
Ended:
Aug 19, 2013