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Flor Maria
Flor lives in Guayaquil and is 62 years old. She started her business five years ago because she needed to sustain her household, but was not earning an income. For this reason, she began investing in the sale of sodas.

One obstacle is that she does not have a place for her merchandise. Since her business is located in her home, this proves to be a bit difficult. Flor is not married and does not have any children. She works alone without having to support anyone. As a result, she can earn more income to pay for her household expenses.

With this loan, Flor will buy construction materials so that she can have a shop where she can display products, such as beverages and food items, to her customers. In the end, she will have more income and more customers.

View original language description ↓
Flor vive en Guayaquil, tiene 62 años de edad. Ella empezó su negocio desde hace 5 años, debía aportar a su hogar ya que el ingreso no abastecía. Y debido a esto empezó a invertir en una venta de gaseosas.

La dificultad que tiene es de no poder tener un local para su mercadería sino que el negocio lo tiene en su propia vivienda y esto le dificulta un poco.

No está casada, no tiene hijos. El trabajo lo realiza sola sin mantener a nadie para así poder generar mayores ingresos y poder sustentarse en los gastos de su hogar.

Con el préstamo quiere comprar materiales de construccion para un local comercial y asi exhibir sus productos a los clientes como bebidas y viveres. Con esto tendra mayor dinero y mas clientela.

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
  • 50
    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 $1,075 helped Flor Maria to buy construction materials for building a store.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jan 14, 2013
Feb 14, 2013
Currency Exchange Loss:
Feb 25, 2014