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Viviana Karina
Viviana still sells beauty products and clothing from a catalogue, an activity which she had started several years ago, although she only sold cosmetics. Over time she has had better sales by including clothing. She runs her business by herself since she makes runs through different sections of Libertad looking for new clients. One of the advantages she has is that the products she sells are well-known, which makes it easier to make sales. She is requesting the loan to purchase merchandise and to have stock. One of the advantages of doing this is that when she purchases merchandise on sale, it is more economical for her. Additionally, having it for samples makes it easier to sell. She will purchase the items she sells the most, for example, make-up, eye shadow, lipstick, creams, perfume, slacks, and blouses, etc. She hopes that the loan will help her business continue to grow, slowly but surely.
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Viviana continua vendiendo productos de belleza y ropa por catalogo el cual había empezado varios años atrás pero solo cosméticos, con el paso del tiempo a incluido la ropa obteniendo mayores ventas. El negocio lo realiza sola ya que realiza recorridos por varios sectores de Libertad en busca de nuevos clientes, una de las ventajas que tiene es que los productos son conocidos lo que facilita su venta. Ella está solicitando el crédito para comprar mercadería y tener en stop una de las ventajas de hacer esto es porque se compra mercadería en promoción lo cual las hace mas económicas y al llevarlas de muestra facilita mas su venta. La que comprara es lo que más vende por ejemplo maquillaje, sombras, labiales, cremas, perfumes, pantalones, blusas, etc., espera que con esto su negocio siga creciendo lento pero seguro.

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
  • $25,071,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $775 helped Viviana Karina to purchase make-up, eye shadow, lipstick, creams, perfume, slacks, and blouses.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 6, 2012
Aug 12, 2012
Currency Exchange Loss:
Jul 17, 2013