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Alba Esther
Alba lives in an area known as Las Orquídeas. She started her business when she saw that her family needed more income. Alba began selling cosmetics through catalogs and gradually improved her sales. She increased her inventory buy adding perfumes and clothing, which improved her clientele.

At the moment, Alba works by taking orders for cosmetics, clothing, and perfumes from her customers. She offers the products on credit. Alba works every day from 8:00 A.M. to 5:00 P.M. She has many aspirations for her business because she has a 13-year-old child who is studying.

With this loan, Alba wants to vary her merchandise buy purchasing perfumes, crèmes, cosmetics, and other products. In the future, she wants to have a house that is 100% completed.

View original language description ↓
La cliente Alba vive en el sector de las Orquídeas. Comenzó con su negocio cuando vio que su familia necesitaba mas ingresos. Comenzó vendiendo cosméticos por catalogo, poco a poco fue mejorando sus ventas. Incrementando su mercadería con perfumes, ropa mejoro su cliente.

En la actualidad trabaja con pedidos de cosméticos, ropa, perfumes que le hacen los clientes. Los productos los deja a créditos. Trabaja desde las 08:00am hasta las 17:00pm todos los días. Tiene muchas aspiraciones con su negocio porque tiene 1 hijo de 13 años que aun esta estudiando.

Con el prestamo quiere variar su mercadería comprando perfumes, cremas, cosméticos etc. En el futuro quiere tener su casa construida al 100%.

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
  • 90
    View loans »
    Ecuador Loans Fundraising
  • $25,028,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Alba Esther to buy perfumes, crèmes, cosmetics, and other products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 13, 2013
Jun 18, 2013
Currency Exchange Loss:
Jul 2, 2014