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Heidi Roxana
Heidi is 26 years old. She creates handicrafts which she sells from her home. She reports that she started this business gradually; that is to say, she cut out patterns and experimented with them, and she began to enjoy it more and more, so she started to take various courses and made a business out of it. At the beginning it was difficult for her because she had to promote herself to build up a network of customers. It was five years ago that she started her business, and it is now going very well for her. She works every day from 9 in the morning until 1 in the afternoon, since she has another job. Since she is a single mother, she has 2 jobs, and thanks to this and to the effort she puts into her work, she has been able to make progress up to now. Heidi comments that one of her difficulties is her location, because she would like to locate her business in the outside area of her home, opening a sizable store where she can exhibit the crafts she makes. With the loan she will buy materials to make her products, such as foamboard, fabrics, thread and other items. She hopes to continue working so that she can keep supporting her son and get ahead in the profession she has chosen.
View original language description ↓
Heidi tiene 26 años de edad ,Heidi confecciona manualidades las cuales vende en su domicilio. Ella nos cuenta que empezó el negocio traveseando, es decir que cortaba moldes y hacia experimentos con ellos, poco a poco le fue gustando por lo empezó varios cursos e hizo de esto su negocio. Al principio se le hizo difícil ya que tenía que promocionar para crear su cartera de clientes. Hace 5 años que inicio el negocio y ahora le va muy bien trabajando todos los días desde las 9 de la mañana hasta la 1 de la tarde ya que tiene otro trabajo. Como es madre soltera tiene 2 trabajos y gracias a eso y al esfuerzo de su trabajo ha salido adelante hasta la fecha. Heidi nos comenta que una de sus dificultades es la ubicación ya que quisiera poder ubicarlo en la parte exterior de su casa, abriendo un local amplio donde pueda exhibir las manualidades que realiza. Con el crédito comprara material para la confección como fomix, telas, lanas, hilos y demás. Espera continuar trabajando para seguir apoyando a su hijo y que siga adelante en la profesión que elija.

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

  • $10,200
    Average annual income
  • 27
    View loans »
    Ecuador Loans Fundraising
  • $22,871,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Heidi Roxana to buy foamboard, fabrics, wool and thread.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 17, 2012
Listed
Oct 18, 2012
Currency Exchange Loss:
N/A
Ended:
Nov 22, 2013