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Maria Cecilia
Maria lives in Quevedo, a city known for its fruits and vegetables. She began her business with very little merchandise and later, with what she had gained by working, she bought more. That is how her business grew, bit by bit.

She is the mother of three children who are studying, so she is the sole worker in her business. Recently, she has been able to locate herself in the front part of her house, where she has a bulletin board and places the fruit in boxes where she sells them and thus she is able to maintain them without ruining any.

She decided upon this type of business because of the rapid sales, since fruits and vegetables have a short time in which they are good and they go bad very quickly. Also this business doesn't give the option of credit. At her place of business, she sells onions, peppers, potatoes, sweet corm, all different fruits in season, and she works from 7 in the morning until 8 at night, though her day begins at 5am because she has to go out and buy her products first.

She is asking for this loan in order to invest in her business and to buy the fruits and vegetables that are being offered. In the future, she hopes to supply a better location that would allow her more time off and where she would be able to offer better service.
View original language description ↓
Maria vive en Quevedo ciudad conocida por sus frutas y verduras, comenzó el negocio con poca mercadería y luego con lo que trabajaba compraba, fue así como su negocio creció poco a poco. Ella es madre de tres niños que están estudiando por lo que atiende el negocio sola. Actualmente ha podido ubicarse en la parte frontal de su casa donde saca un tablero y coloca las frutas en las cajas donde se las venden así se mantiene sin ningún estropeo. Se decidió por este negocio porque es de rápida venta ya que las frutas y verduras son de corta duración y sale rápido, también porque no da opción al crédito. En su puesto vende cebollas, pimientos, papa, choclos, toda clase de frutas de temporada, atiende desde las 7 de la mañana hasta las 8 de la noche pero su día empieza a las 5 porque tiene que comprar los productos. Ella ha solicitado el préstamo para poder capitalizarse y así comprar las verduras y frutas que oferta. A futuro espera adecuar mejor un local lo que le permitiera mas descanso y mejoraría su servicio.

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
  • 78
    View loans »
    Ecuador Loans Fundraising
  • $25,065,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,375 helped Maria Cecilia onions, peppers, potatoes, sweet corn, and all types of fruit.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 25, 2012
Aug 4, 2012
Currency Exchange Loss:
Jul 17, 2013