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Carmen Flores
Carmen is not married and is 59 years old. She has 6 children, the youngest of whom still lives with her. She sells soft drinks, fruit, soaps, shampoo, and beauty accessories.

A short time ago, some burglars tried to rob her business because the store’s door isn’t very strong and can’t protect well against thieves. She tends to her store from 6:30am until 10:30pm, so she is very afraid of being assaulted. With the new loan, she plans to make the doors of her business and house more secure.

Translated from Spanish by Jennifer Day, Kiva Volunteer

Carmen es una señora soltera de 59 años, tienes 6 hijos, el menor de sus hijos aun vive con ella. Su actividad principal es la venta de Colas, frutas, jabones, shampoo y acceserios de belleza.

Hace poco tiempo los ladrones quisieron robarle en su negocio porque la puerta de la tienda no es muy fuerte y no la protege mucho de los ladrones. Ella atiende de 6:30 a.m. hasta las 22h30 y por su horario siente mucho temor de ser asaltada. Con el rendimiento del nuevo prestamo planea asegurar las puertas de su negocio y su casa.

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
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,538,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $875 helped Carmen Flores to protect her house and improve security at her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 20, 2009
Oct 27, 2009
Currency Exchange Loss:
Oct 15, 2010