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Yina Marciana
Yina lives in Guayaquil. Laughing, she tells us that she has not married because she hasn't yet met her prince charming. She lives with her parents, since her finances do not allow her to buy her own house. She learned her business from her parents, who worked in this business, then she decided to become independent, selling corn and greens. Then, with the help of her sisters, they began selling humitas (flavored corn paste wrapped in corn husks), rolls, and snacks. Now she has a little bar with many customers, since they like her products a lot. Yina tells us that the area is dangerous and she worries about crime. Her goals for the future are to buy a house with commercial space so that she doesn't have to rent and to improve her income.
View original language description ↓
Yina vive en Guayaquil. Entre risas no cuenta que no se ha casado porque aun no conoce a su príncipe azul. Vive con sus padres ya que su economía no le permite comprar una casa propia. El negocio lo aprendió de sus padres quienes se dedicaban a esta actividad, luego decidió independizarse con la venta de choclo y verde. Luego con la ayuda de sus hermanas empezaron la venta de humitas y bollos y meriendas. Ahora tiene un pequeño bar con mucha clientela ya que sus productos gustan mucho. Yina nos informa que el sector es peligroso la delincuencia la cual si le preocupa. Su meta futura es comprar su casa con un local para no tener que alquilar y mejorar sus ingresos.

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
  • 52
    View loans »
    Ecuador Loans Fundraising
  • $24,308,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Yina Marciana to buy a commercial space so that she doesn't have to rent and to buy supplies in general.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 18, 2012
Oct 19, 2012
Currency Exchange Loss:
Feb 25, 2014