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Elsy Carolina
Elsy is forty-six years old, she lives at el Fortín, area in which the government is starting to do a lot of work, since most of the streets are not paved, reason why they don't have the basic services. This is where, with a lot of effort, she bought a small display cabinet, and started selling stationery items such as notebooks, erasers, sheets of paper, cards, etc. Over time, and when she became better known, she began providing other services such as making copies, scanning papers and computer related work. Since the business isn't very big, she runs it on her own since 7 am until 10 pm, because her eldest children who are of legal age, help her sometimes. With the requested loan she will buy an additional display cabinet and more merchandise to be able to increase her income.
View original language description ↓
Elsy tiene 46 años y vive en el Fortín, sector en el cual se están empezando a ver obras por parte del gobierno ya que la mayoría de sus calles no están pavimentadas por lo que no tienen servicios básicos. Es aquí donde con mucho esfuerzo compro una vitrina pequeña y empezó a comprar artículos de papelería como cuadernos, gomas, laminas, cartulinas etc. con el tiempo y cuando se hizo más conocida empezó a surtir y brindar otros servicios como copias, escaneos y trabajos en computación. El negocio como no es muy grande lo maneja sola desde las 7 de la mañana hasta las 10 de la noche, como sus hijos son mayores de edad a veces le ayudan con el negocio. Con el préstamo que va a solicitar espera poder comprar otra vitrina y mas mercadería para poder aumentar sus ingresos.

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
  • 69
    View loans »
    Ecuador Loans Fundraising
  • $24,619,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,675 helped Elsy Carolina to buy notebooks, erasers, sheets of paper and cards.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 4, 2012
Aug 11, 2012
Currency Exchange Loss:
Jul 17, 2013