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Nery Marcia
Sra. Nery is 38 years old and lives in Guayaquil (Orquídeas). She says that she studied sewing and dressmaking before she got married. When she separated from her husband, Nery opened a sewing workshop. She has also been selling cosmetics for the past three years as another way of generating income for herself without having to depend on anyone.


Nery works by sewing and selling cosmetics throughout the day. The difficulties she faces in her business is dealing with the competition and customers who do not pay their bills on time. Nery is separated from her husband and has three children (ages 15, 12, and 8). With this loan she will buy cosmetics to sell and fabrics for making outfits. In the future, she would like to add another room to her house so that she can open a bazaar. This would allow her to expand and have a place to sell clothing.

View original language description ↓
La Señora Nery vive en Guayaquil (orquídeas), ella tiene 38 años de edad. Ella nos cuenta que estudio corte y confección antes de casarse, y cuando se separo de su esposo ella puso un taller de costura y hace tres años vende cosméticos, es otra manera de ganar su dinero propio y no depender de alguien.

Ella trabaja en la venta de cosméticos, en la costura en el transcurso del día, las dificultades que se le presentan en su negocio es la competencia y que los clientes no cancelan puntuales. Ella está separada de su esposo, tiene 3 hijos de 15, 12 y 8 años de edad.

Con el préstamo ella va a comprar cosméticos para la venta y telas para la elaboración de sus trajes. Ella desea para el futuro poner paredes en su casa para ponerse un bazar donde también puede exponer y vender ropa.

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

  • $10,200
    Average annual income
  • 12
    View loans »
    Ecuador Loans Fundraising
  • $22,544,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,625 helped Nery Marcia to buy cosmetics to sell and fabrics for making outfits.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 10, 2013
Listed
Apr 11, 2013
Currency Exchange Loss:
N/A
Ended:
Nov 21, 2013