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Agustina Del Carmen
Agustina was born 47 years ago in the city of Portoviejo. She is a widow and has five children, four of whom are grown and independent. Her youngest son Henry, age 17, lives with her and will be starting university soon. Agustina has owned her house for five years and receives basic services. Her home was built with a mix of cement and reeds. She began selling cosmetics through catalogs seven years ago because she needed a means of earning money. Agustina has plenty of experience in this business and has an excellent customer base that includes relatives, friends, and acquaintances who visit her after they contact her by telephone. She travels alone Monday through Saturday from 8am to 4pm. Agustina carries her products and catalogs with her. The products that are most requested are perfumes, crèmes, foundations, lipsticks, and other items. Her customers include both women and men.

The loan she is requesting will be used to buy inventory so that she will have stock to sell. Her goal is to expand her business so that she can finish the construction of her house.

View original language description ↓
Agustina nació hace 47 años en la ciudad de Portoviejo. Es viuda y tiene 5 hijos, cuatro son mayores de edad e independientes, Henry el menor de 17 años vive con ella y hace poco empezó la universidad. La casa de Agustina es propia desde hace 5 años, cuenta con los servicios básicos y su construcción es mixta, es decir de cemento y caña. Se dedica a la venta de producto de cosméticos por catálogos el cual empezó hace 7 años atrás porque vio en esto una forma de ganar dinero. En la actualidad tiene mucha experiencia en su negocio y cuenta con una excelente clientela entre sus familiares, amigos y conocidos a quienes visita cuando la llaman telefónicamente. Sus recorridos los hace sola de lunes a sábado desde la las 8 de las mañanas hasta las 4 de la tarde llevando sus productos y revistas. Los que mas le solicitan son perfumes, cremas, bases, labiales etc., tiene cliente tanto femenina como masculina. El préstamo lo solicita para la compra de inventario con el cual tendría stock para la venta. Su meta es aumentar el negocio para poder terminar la construcción de la casa.

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
  • 89
    View loans »
    Ecuador Loans Fundraising
  • $24,581,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,575 helped Agustina Del Carmen to buy perfumes, crèmes, foundations, lipsticks, and other items.
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 19, 2012
Jul 7, 2012
Currency Exchange Loss:
Aug 6, 2012