Love making a difference with Kiva? Your donations keep us running.

Thank you for the impact you’ve made this year! Together we’ve funded more than 170,000 loans and raised more than $120 million for financially excluded people around the world. It costs us more than $3 to facilitate each $25 loan, and we rely on optional donations from individuals like you to cover our costs.

Other amount



Total loan: $1,075

Ruth Del Carmen

Guayaquil (Guasmo), Guayas, Ecuador / Retail

Ruth Del Carmen's loan finished fundraising, but these other borrowers need your support

A loan helped to buy chairs and tables for her eatery and a display case for exhibiting cosmetics.

Ruth Del Carmen's story

Ruth is originally from the beautiful city of Verde Esmeraldas. She came to Guayaquil so that she could improve her quality of life. Ruth lives in Guasmo, which is south of Guayaquil and is also where she owns a house. She began selling food after she separated from her husband. Ruth has two daughters under her care. She started this business several years ago since her mother taught her how to prepare delicious food that she could sell. Her mother also helps with the business. Since selling food is not enough, Ruth also sells cosmetics through catalogs. Her day begins very early in the morning since she must buy supplies for preparing the dishes that she will sell to acquaintances, friends, and established customers. Ruth is well-known and loved in her neighborhood. Raising her children alone has earned her the respect and admiration of her neighbors.

With this loan, Ruth has plans to buy chairs, tables, and a display case for exhibiting products such as perfumes, make-up, and crèmes. This will enable her to provide quality service to her customers.