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Diana Margarita
Diana, 27, lives in the city of Manta; she’s a merchant. She lives in a house that has all basic utilities she acquired nine years ago. The house is also her warehouse since she sells the merchandise in a permanent stand downtown where she sets up her business daily.

Diana indicates that she’s used to this way of working since she started it at the age of 18 although back then she used to sell from place to place until she was able to get her permanent stand. She works Monday to Sunday non-stop. She sells unisex pants, shirts, shorts, blouses, underwear. She buys everything in series, at wholesale and sells it by the unit.

Because Diana's stand is informal, the problem she has in the winter is the muddy, eroded streets. She will use the loan to buy clothes to sell. She hopes to be able to gather a bit of capital to open a locale at home.
View original language description ↓
En la ciudad de Manta vive Diana, tiene 27 años y se dedica al comercio. Vive en una casa de su propiedad la cual adquirió hace 9 años y cuenta con todos los servicios básicos. La casa le sirve como bodega ya que ella vende la mercadería en un puesto fijo ubicado en el centro donde todos los días pone su negocio. Diana indica estar habituada a esta forma de trabajo ya que empezó a los 18 años pero lo hacía recorriendo diversos sectores hasta que consiguió un puesto fijo. Trabaja de lunes a domingos sin descanso. En su puesto vende pantalones unisex, camisas, pantalonetas, blusas, interiores, todo lo compra en serie al mayor y vende unitariamente. Como el puesto de Diana es informal el problema se le presenta en la época de invierno donde las lluvias enlodan las calles y las deterioran. El préstamo lo utilizara para la compra de ropa para la venta, ella espera poder reunir algo de capital para abrir un local en su domicilio.

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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
  • 45
    View loans »
    Ecuador Loans Fundraising
  • $24,295,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD