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Ana Mercedes
Ana, 22, sells beauty products. This young, hardworking woman lives in Milagros in her parents’ house since she’s single. She’s liked the activity she carries out since she started going to school since she’s good at sales and decided to test the market. Before finishing secondary school she’d taken several courses where she learned to care for and maintain it.

She’s been in this business for seven years now and does very well. She does hair coloring, straightening, haircuts and manicure; whatever the customer requests. She does the work visiting the customer based on prior appointments because she’s not been able to set up a salon which hasn’t been a problem, though, since she has customers anyway.

Ana comments that her greatest problem is crime because she has to carry a suitcase filled with her products and tools like hair straightening comb and hair dryer in order to do her work but to date she’s not been robbed and hopes to continue that way.

The loan she’s asking for is to buy beauty products like nail polish, acetone, creams, and hair color, etc. and part of it is to fix up her room in her parents’ house. In the future she’d like to finish her university studies and open her beauty salon.
View original language description ↓
Ana de 22 años se dedica a la venta de productos de belleza, esta joven trabajadora vive en Milagros en la casa de sus padres ya que es soltera. La actividad que desempeña le gusto desde que comenzó a estudiar ya que es buena en las ventas y decidió probar el mercado. Antes de salir de la secundaria había asistido a varios cursos en los cuales aprendió técnica para el cuidado y mantenimiento del mismo. Lleva 7 años dedicándose a este negocio y le va muy bien, realiza lo que es tinturado, alisado, cortes, manicura lo que el cliente le solicite. Realiza el trabajo visitando a sus cliente previa cita ya que no a podido adecuar un local lo cual no es problema porque igual tiene clientes. Ana comenta que su mayor problema es la delincuencia ya que para dar el servicio lleva una maleta con los productos y los utensilios que utiliza como plancha y secadora de cabello, pero de momento no ha sufrido robos y espera continuar así. El préstamo que está solicitando es para la compra de productos de belleza como esmaltes, acetona, cremas, tintes, etc., y una parte para arreglar su cuarto en la casa de sus padres. A futuro le gustaría culminar sus estudios universitarios y abrir su gabinete de belleza.

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
  • 95
    View loans »
    Ecuador Loans Fundraising
  • $25,057,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,050 helped Ana Mercedes to buy nail polish, acetone, creams and hair color.
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 26, 2012
Jul 6, 2012
Currency Exchange Loss:
Aug 5, 2012