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Maricela Esther
The client is from the Orquídeas area of Guayaquil. She started in the business of selling cosmetics because she needed to have more time for her children; and besides she really likes the sales business. She works alone every day, for varying hours during the morning and afternoon.

She is married and her husband is an employee at a company. She has three minor children who go to public schools. Someday she wishes to be able to fix her house, buy a car, and provide an education for her children. Now she needs a loan to buy construction materials for the improvements to her home.
View original language description ↓
La cliente es del sector de Orquídeas en Guayaquil. Inició con la actividad de venta de cosméticos debido a que necesitaba tener más tiempo para sus hijos y además le gusta mucho el negocio de las ventas. Trabaja sola todos los días, en diferentes horarios durante la mañana y tarde. Es casada y su esposo es empleado en una empresa. Tiene 3 hijos menores de edad y estudian en instituciones fiscales. Desea a futuro poder arreglar su casa, comprar un carro y darle la educación a sus hijos. Ahora necesita el crédito para la compra de materiales de construcción para las adecuaciones 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
  • 57
    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 Maricela Esther to buy construction materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 13, 2013
Nov 1, 2013
Currency Exchange Loss:
Oct 31, 2014