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Teresa María
This borrower is from the Orquideas neighborhood of Guayaquil. She started her business selling cosmetics because she had always enjoyed commerce and sales, and most of all, to bring an income to her household. She works on her own every day, varying her schedule according to the orders that her customers make. She is married, and her husband is a construction supervisor. She has 3 minor children who attend the public school in the area where they live. In the future, she would like to fix up her house, expand her business, and see her children finish their university degrees. At this time, she needs a loan to buy construction materials to make some improvements to her house.
View original language description ↓
La cliente es del sector de Orquídeas en Guayaquil. Inició en la actividad de venta de cosméticos, debido a que siempre le ha gustado el comercio y las ventas, pero sobretodo, por llevar un ingreso a su hogar. Trabaja todos los días sola, variando su horario dependiendo de los pedidos que le realizan sus clientes. Es casada y su esposo es maestro albañil. Tiene 3 hijos menores de edad, quienes estudian en el colegio fiscal del área donde viven. Desea a futuro poder arreglar su casa, incrementar su negocio y ver que sus hijos terminen sus carreras universitarias. Ahora requiere el crédito para la compra de materiales de construcción para la adecuación de su vivienda.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Ecuador

  • $10,600
    Average annual income
  • 84
    View loans »
    Ecuador Loans Fundraising
  • $25,065,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Teresa María to buy construction materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 9, 2013
Nov 1, 2013
Currency Exchange Loss:
Oct 31, 2014