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Maricela America
From Playas, we present Maricela. She is 38 years old and married to Benito, who is a worker at a company which processes tuna and tuna products. They have 3 children, 2 boys and a girl, who attend secondary school and business school. Maricela tells us that she started as a helper in a restaurant where she earned 8 dollars a day, but her hours were only in the morning. This was convenient for her since she could care for her children, since they were young and she had nobody she could leave them with. In the afternoon she would go to the corner of her house with a small roaster and sold chicken wings, skewers, and ears of corn, collecting about 30 dollars a day. Little by little her business has been growing. Now she has a restaurant where she sells snacks to the employees leaving the company. She no longer works in the other restaurant. Maricela tells us that she opens only from Monday to Friday because she doesn't sell much on the weekend without workers. Currently she has a helper who works with her from 4 in the afternoon until 10 at night, which is when she sells the most. This is Maricela's 4th loan and for D-Miro it is a proud example of success. We have faith in her success because together we have seen her advance, from the beginning with a simple stand outside of her house to the restaurant that we have now. She asks us for another loan to adapt the business and to have money for the business. D-Miro says: Maricela, good luck, and meet all of your proposed goals, we are here to support you.
View original language description ↓
Desde Playas les presentamos a Maricela. Tiene 38 años de edad y está casada con Benito quien trabaja de obrero en una procesadora de atún y derivados. Tienen 3 hijos, 2 varones y una niña quienes asisten al colegio y escuela fiscal. Maricela nos cuenta que comenzó como ayudante de una picantería donde ganaba $ 8 dólares diarios pero su jornada era solo en la mañana. Eso le convenía ya que podía cuidar de sus hijos que estaba pequeños y no tenia con quien dejarlos. Por la tarde salía a la esquina de su domicilio con un asador pequeño y vendía alitas de pollo, chuzos y choclo recaudando alrededor de $ 30 dólares diarios. Poco a poco su negocio ha ido creciendo y ahora tiene un local donde vende meriendas al personal que sale de la compañia y ya no trabaja en la picantería. Maricela nos comenta que abre solo de lunes a viernes porque el fin de semana sin trabajadores no vende mucho. En la actualidad tiene un ayudante el cual trabaja con ella desde las 4 de la tarde hasta las 10 de la noche que es cuando más vende. Este es el 4 crédito que solicita Maricela y para D-Miro es un orgullo y ejemplo de superación ya que damos fe de su superación porque juntos hemos visto su avance. Desde que inicio con un simple puesto de venta fuera de casa hasta el local que en estos momentos tiene. Nos solicita otro crédito para adecuar el negocio y tener dinero para el negocio. Maricela suerte y cumple todas tus metas propuestas estamos para apoyarte.

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
  • 99
    View loans »
    Ecuador Loans Fundraising
  • $24,223,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Maricela America to buy chicken, skewers, and ears of corn.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 1, 2012
Jul 1, 2012
Currency Exchange Loss:
Aug 20, 2013