Enma lives in Portoviejo, a city which is well known for its excellent cuisine. She is 58 years old and happily married to Manuel who sells soft drinks in the city streets. Enma has been selling costume jewelry for six years. She started the business because she wanted to make her own income. The biggest advantage that she has in this business is that she doesn't have to offer credit because if her customers like something they pay straight away. She serves her customers at any hour of the day. Among the products she sells are scrunchies, hair pins, hair bands, bows, decorative ribbons, steel rings, etc. She sells these items individually or by the dozen. One of Enma's biggest dreams is to increase her sales so that she can expand her business. She is requesting this loan to buy merchandise that will help her to achieve this goal.
Enma vive en Portoviejo ciudad conocida por su excelente gastronomía. Tiene 58 años y está felizmente casada con Manuel quien vende refrescos por las calles de la ciudad. Hace 6 años que Enma se dedica a la venta de bisutería, comenzó el negocio por que deseaba tener ingresos propios, de este negocio la mayor ventaja es que no tiene que dar créditos ya que si le gusta al cliente paga de inmediato. La atención la realiza sola a cualquier hora del día, entre sus productos ella oferta moños, pinchos de cabello, diadema, lazos, cintas decorativas, anillos de acero etc., vendiendo por unidad o docenas. Uno de los más grandes sueños de Enma es incrementar sus ventas para poder ampliar su negocio es por eso que a solicita el crédito esperando comprar la mercadería que le ayude alcanzarlo.
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.