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Ana Ramona
Ana, age 47, began working at a very young age since her parents were in the retail trade. They always instilled in her values and principles. Above all, they taught her how to be a responsible and hardworking person.

Ana decided to start her own business when she had to look after her small children and pay for the expenses. Her children are now adults and are able to work to pay for their own expenses. Ana sells clothing and bazaar merchandise. She works with the help of her daughter Monday through Sunday from 8 A.M. to 10 P.M. One of the difficulties that she must deal with is that the area where she lives is not paved. This is also frequent crime in the area.

Ana has many aspirations for her business, so she wants to use this loan to buy clothing and bazaar merchandise. Her goal is to have a large bazaar and to buy display cabinets so that she can expand her business. This will allow her to meet the needs of her customers.

View original language description ↓
Ana tiene 47 años, empezó a trabajar desde muy pequeña ya que sus padres se dedicaban al comercio y siempre le inculcaron valores y principios, sobre todo le enseñaron que tenia que ser una persona muy responsable y trabajadora.

Ana decidió tener su propio negocio ya que quedo con sus hijos pequeños y tenia que pagar gastos. En la actualidad sus hijos son adultos y pueden trabajar para sus propios gastos.
Ella se dedica a la venta de ropa y artículos de bazar. Trabaja con el apoyo de su hija de lunes a domingos de 8:00 am hasta 10 pm. Una de las dificultades que tiene es que el sector donde ella vive no esta pavimentado y también hay mucha delincuencia.

Tiene muchas aspiraciones con su negocio por eso quiere el prestamo para comprar ropa y articulos de bazar. su meta es tener un bazar grande y comprar vitrinas para incrementar el negocio para así atender cumplir con la necesidad del cliente.

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
  • 48
    View loans »
    Ecuador Loans Fundraising
  • $24,292,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $675 helped Ana Ramona to buy clothing and bazaar merchandise.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 21, 2012
Sep 25, 2012
Currency Exchange Loss:
Oct 19, 2013