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Carmen Miriam
Carmen is a 60 year old widow, and she has two grown children. She gets her income from selling cosmetic products at a mini variety store that she has. This has been her means of support after her husband died. Her business is going well for her.

Her dream is to increase her business by having a greater variety of products. Her work schedule is in the afternoons, when she sells her products to her neighbors, and in the evening, when she goes to her evangelical church.

She will use the loan to buy all types of cosmetics like perfume, cream, and cologne, etc.
View original language description ↓
Carmen tiene 60 años de edad estado civil viuda tiene 2 hijos mayores de edad .Su ingreso económico es con la venta de productos cosméticos en un mini bazar que ella tiene ese ha sido su medio de sustento después que falleciera su esposo pues le va bien en su negocio su sueño es incrementar mas su negocio poner más variedad a sus productos. Su horario de trabajo es en las tardes cuando le ofrece el producto a sus vecinos y en la noche cuando va a una iglesia evangélica donde ella asiste .Con el préstamo ella va a comprar todo lo que es cosmético como: perfumes , cremas , colonias etc.

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
  • 51
    View loans »
    Ecuador Loans Fundraising
  • $24,303,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,075 helped Carmen Miriam to buy all types of cosmetics like perfume, cream, and cologne, etc.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 8, 2012
Oct 11, 2012
Currency Exchange Loss:
Nov 10, 2012