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Carmen Rita
Carmen is a single mother with two children. She started her business selling cosmetics, perfumes and costume jewelry six years ago. A friend encouraged her to sell Avon and L'Bel products. Carmen needed a way of making money because she had to meet her responsibilities toward her children and her home and provide for their needs. For that reason, she decided to go into this business. She is doing well and her income is excellent. She works alone, from 9.00am to 6.00pm.

Carmen visits family members, friends and acquaintances in their homes to offer them her products. She fears crime. She is afraid that when she is collecting money from her customers, somebody will steal from her. She would like to use her loan to buy perfumes, creams, cosmetics, deodorants, etc. Her goal is to become a consultant and to become the market leader selling Avon and L'Bel products. She would also like to have premises where she can display her products.
View original language description ↓
Carmen es madre soltera tiene 2 hijos ella empezó hace seis años en el negocio de las ventas de cosméticos perfume y bisutería. Una amiga de Carmen la incentivo para que vendiera productos de AVION y L’BEL .Carmen necesitaba de alguna forma tener ingresos ya que tenia cumplir con la responsabilidad de sus hijos y casa y de alguna forma tenia que responder con las necesidades de ellos es así que se decidió por entrar en este negocio lo hace bien y los resultados de los ingresos son excelente. Ella trabaja sola de 9.00 am hasta 18:00 pm.
Ella visita a familiares, amigos y conocidos a sus hogares para ofrecerles los productos. Carmen le teme a la delincuencia que cuando este recaudando dinero a sus clientes le roben. Con el prestamo quiere comprar perfumes, cremas, cosmeticos, desodorantes etc. Su meta es ser una consultora ser la líder en el mercado de ventas de productos AVION y L’BEL en tener un local para exhibir el producto.

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
  • 72
    View loans »
    Ecuador Loans Fundraising
  • $24,616,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Carmen Rita to buy perfumes, creams, cosmetics and deodorants.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 26, 2012
Sep 27, 2012
Currency Exchange Loss:
Sep 25, 2013