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Martha Maria
Martha, who is a manicurist, lives in the Coop 5 de Junio sector in Duran. She started the business observing her father who is a barber. He taught her to cut hair, especially men’s. When she finished secondary school she made the decision to learn beauty since she had her parents’ support. Now, at the age of 32 and being a single mother of three children she turned her skills into her way of life.

Because she does not have the resources necessary to open a beauty salon she does work for family members or friends at home. Martha indicates that she does not have a fixed work schedule because she works when it’s requested of her. Because she must go from place to place, her greatest concern is crime because her sector is a bit dangerous but with God’s help she hopes to be problem-free.

She will use the loan to buy nail polish, acetone, emery boards and cream to use and to sell. Martha indicates that she sees herself in five years running an eatery located in her town’s main street since this is her passion.
View original language description ↓
En la Coop 5 de junio sector de Duran vive Martha quien es manicurista. El negocio la emprendió observando a su papa quien es peluquero, siendo él quien le enseño el corte principalmente de caballeros. Cuando termino sus estudios secundarios tomo la decisión de aprender belleza teniendo el apoyo de sus padres, ahora s sus 32 años siendo madre soltera de 3 niños hizo de aprendizaje su forma de vida. Como no tiene los recursos para abrir un gabinete de belleza realiza el trabajo a familiares y amigos en su casa. Martha indica no tener horario trabajo porque acude cuando le solicitan. Como debe trasladarse su mayor preocupación es la delincuencia ya que se sector es un poco peligroso, pero con Dios a su cuidado espera no tener problemas. Con el crédito comprara esmaltes, acetonas, limas y cremas para el uso y venta. Martha indica que en 5 años se visualiza administrando un comedor ubicado en la calle principal de su domicilio ya que esa es su pasión.

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
  • 75
    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 Martha Maria to buy nail polish, acetone, emery boards and cream.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 21, 2012
Jul 4, 2012
Currency Exchange Loss:
Jun 18, 2013