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Ana Cristina
Ana, age 34, is not married, but she has a ten year old child. She started with her sales business by selling toys and kitchen items to her relatives. Little by little, she started to get income to be able to support herself and her child. Therefore, she continued with her business of selling household items to friends and referred customers.

She now sells sheets for $25.00, eiderdowns for $35.00, and other items. She has a sales strategy for them, which is to sell on credit. She gives the customer a payment plan so that they pay between $1 and $2 daily. That way she gives the customer who does not have a way of paying in cash time to pay for the product. This is how she capitalized in order to buy more products.

Ana has a lot of aspirations for her business. Therefore, she wants to continue with her business. She wants the loan to buy sheets, eiderdowns, and household items.

During the interview Ana expressed the following:

“I want to have a very nice house in order to have a commercial spot in part of the house. I want to give work to other people who need it. Also, I would like to give my family what they financially need. I want to always be as connected with my family as we are now.”
View original language description ↓
Ana tiene 34 años, no está casada pero si tiene un hijo de 10 años. Ella empezó con su negocio de ventas de artículos vendiendo a sus familiares juguetes y artículos de cocina, poco a poco comenzó a tener ingresos para poder mantenerse ella y su hijo, por la que continúo con su negocio vendiendo artículos para el hogar a amigos y a recomendados de clientes.

En la actualidad vende sabanas a $ 25.00, edredones a $ 35.00, entre otros artículos. Los cuales tiene una estrategia de ventas que es vender a crédito, en donde ella entrega el producto a su cliente lo registra si le da a crédito y le da plazo para que pague diariamente de $ 1 a $ 2 , así el cliente que no tiene como pagar al contado, ella le da tiempo para que pague el producto. Es así como se capitaliza para comprar más productos.
Ana tiene muchas aspiraciones con su negocio por eso quiere continuar con sus ventas, por tal quiere el préstamo para comprar sabanas, edredones, artículos para el hogar.

En la entrevista las palabras que expreso Ana fueron las siguientes:
Quiero tener una bella casa para poder tener un local comercial en una parte de la casa, y así darles trabajo a otras personas que lo necesitan. También quisiera darle a mi familia lo que necesita económicamente y estar siempre unidos con mi familia como lo estamos actualmente.

Additional Information

More information about this loan

This loan is for a Kiva borrower living with HIV/AIDS. These borrowers face high barriers to obtain loans due to their health condition. Kiva Field Partner Banco D-MIRO combines their loan with free health and life insurance to help borrowers generate the capital necessary to develop and run a business.  

Due to potential safety risks facing HIV/AIDS positive borrowers and the need to protect their privacy, the faces of borrowers from Banco D-MIRO may be blurred in photos.

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
  • 88
    View loans »
    Ecuador Loans Fundraising
  • $25,026,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Ana Cristina to buy sheets, eiderdowns, and household items.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 31, 2012
Jan 31, 2013
Currency Exchange Loss:
Feb 25, 2014