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Yadira Simelanea
This borrower is from the area of Suburbio in Guayaquil. She started out selling clothes through catalogs, but later began selling Yanbal and Avon products. She now also sells Omnilife products. Through all of these business activities, the borrower is able to support her children. She travels every day through the neighborhoods in search of customers, generally in the afternoons.

The borrower is separated from her spouse and has four children who are studying at state schools at either the elementary or high school level. She needs to invest the money from her loan in merchandise (cosmetics and beauty products) for her business.

View original language description ↓
La cliente es de la zona de Suburbio en Guayaquil. Empezó vendiendo ropa por catálogo, para luego emprender en la venta de Yanbal y Avon. Ahora también está comercializando Omnilife y junto con sus otras actividades, se ayuda en la manutención de sus hijos. Sale a recorrer los sectores en busca de clientes todos los días, generalmente en la tarde. Es separada y tiene 4 hijos, quienes estudian en la escuela y colegio fiscal. Necesita invertir el dinero en mercadería (cosméticos y artículos de belleza) para su negocio.

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 $1,100 helped Yadira Simelanea to buy cosmetics and beauty products to sell.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jun 24, 2013
Jul 22, 2013
Currency Exchange Loss:
Sep 4, 2014