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Ana Tomasa
Ana, 43, lives with her husband in a sector known as Paraíso de la Flor. Her husband, Francisco, has been working as a master builder for 11 years. Her children are all professional adults with their own families.

Ana has a grocery store located at home. She tells us that she started out selling snacks from a window in her house and gradually improved her economic situation so she opened the store. She currently has a well-stocked store where she sells basic staple items of daily consumption. She works Monday through Sunday all day. She comments that at the beginning it was difficult because she had to win over customers and competition is tough. She thanks God that she’s been well-received.

She tells us that what’s difficult about her work is transportation of merchandise. She has some suppliers that come to her store but she has to buy foodstuffs in the central market. Her husband helps her buy merchandise when he’s not working but then he focuses on his own activities.

She will use the loan to buy rice, sugar, flour, grains, snacks, colas, water, canned goods and foodstuffs. She hopes in future that her store will grow into a minimarket to thus be able to do some home improvements.
View original language description ↓
Ana tiene 43 años de edad y vive junto a su esposo en el sector conocido como Paraíso de la Flor. Su esposo Francisco tiene 11 años desempeñándose como maestro albañil de la construcción. Sus hijos ya son adultos profesionales con una familia formada. Ana tiene una tienda de víveres ubicada en su domicilio. Ella nos cuenta que empezó vendiendo golosinas desde la ventana de su casa, poco a poco fue mejorando su situación económica por la que abrió la tienda. En la actualidad tiene una despensa bien surtida donde vende productos de consumo diario. El trabajo lo realiza de lunes a domingo todo el día. Nos comenta que al principio si fue duro ya que tenía que ganar cliente y la competencia es fuerte, agradece a Dios que ahora tenga gran acogida. De su trabajo nos comenta que lo más difícil es el transporte de la mercadería, hay proveedores que llegan a su tienda pero los víveres los debe comprar en el mercado central. Su esposo le ayuda en la compra de la mercadería cuando no trabaja pero luego se dedica a sus propias actividades. El préstamo lo empleara comprando arroz, azúcar, harina, granos, snacks, colas, agua, enlatados y víveres. Espera en un futuro que su tienda crezca hasta ser un minimarket para así poder mejorar su vivienda.

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
  • 81
    View loans »
    Ecuador Loans Fundraising
  • $25,019,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Ana Tomasa to purchase rice, sugar, flour, grains, snacks, sodas, waters, and canned food.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 29, 2012
Jun 13, 2012
Currency Exchange Loss:
May 17, 2013