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Angela Maria
Ángela, age 35, lives in Guayaquil. She started her business by selling cosmetics to her friends. As time passed, she realized that she would be able to become independent by selling her products. She took advantage of the opportunity in order to sell to other customers, and she started as a cosmetics salesperson. She did this because she liked what she did.

She now works alone from 9:00 in the morning until 6:00 in the evening. The things that her customers buy the most are perfumes, creams, and deodorants, etc. They buy everything for personal use.

The things that could be trouble for her business are the climate and crime. She is not married, but she does have a child who is only one and does not go to school yet. Her child is what pushes her to get ahead in what she does.

She wants to use the loan to buy perfumes, creams, and deodorant. In the future she always wants to be together with her family. She also wants to be able to have a nice place that is well located. This way she will be able to give employment to other people who need it. She will also be able to feed her household and cover its expenses.
View original language description ↓
La Sra. Ángela vive en Guayaquil, tiene 35 años de edad. Ella empezó su negocio vendiendo cosméticos a sus amistades con el pasar del tiempo se dio cuenta que podría independizarce vendiendo sus productos. Aprovechó la oportunidad para vender a demás clientes y comenzo como vendedora de cosmeticos, ya que le gustaba lo que hacia.

En la actualidad realiza su trabajo sola de 9:00 de la mañana hasta las 18:00 de la tarde, lo que más le compran sus clientes son perfumes, cremas, desodorantes, etc. Todo de uso personal.+

Lo que podría traerle dificultad en su negocio es el clima y la delincuencia, no está casada pero tiene un hijo de tan solo un año que no estudia aun, el cual es el esfuerzo para seguir adelante en lo que hace.

Con el préstamo quiere comprar perfumes, cremas, desodorantes. En el futuro quiere siempre estan junto a su familia y poder tener un bonito local bien ubicado para así poder dar empleo a otras personas que lo necesitan y de igual manera poder sustentar su hogar y recurrir con los gastos del mismo.

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

  • $10,200
    Average annual income
  • 33
    View loans »
    Ecuador Loans Fundraising
  • $23,448,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Angela Maria to buy perfumes, creams, and deodorant.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 23, 2013
Listed
Feb 27, 2013
Currency Exchange Loss:
N/A
Ended:
Feb 25, 2014