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Margarita Del Carmen
The client lives in the city of Machala. Her husband helped her initially to start a business selling cosmetics because a girlfriend encouraged her and helped so that she could earn her own income this way. She basically works afternoons which is when she goes out to deliver product and collect payment from her customers. She’s married with two children. Her husband works as a plant supervisor and her children who are 18 and 12 years of age attend public school. She needs the loan to buy merchandise for her commercial activity.
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La cliente reside en la ciudad de Machala. Su esposo la ayudó inicialmente para que pueda emprender en el negocio de venta de cosméticos, debido a que una amiga la incentivó y ayudó para que por medio de esto, tenga un ingreso económico. Básicamente labora en las tardes, que es cuando sale a entregar el producto y también a cobrar a sus clientes. Es casada y tiene 2 hijos, su esposo trabaja como oficial de planta y sus hijos de 18 y 12 años, estudian en la escuela fiscal. Necesita el préstamo para invertir en mercadería para su actividad comercial.

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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
  • 73
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  • $24,585,975
    Funds lent in using Kiva
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    Loan transacted in USD