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Ana Cecilia
Ana T., 50, has a cement house that has basic services like running water and paved streets. Her house in is an outlying area of Guayaquil. She is separated from her husband with whom she had 3 children, all of whom are now adults. Ana started to sell cosmetics motivated by the fact that she had to support her household after her separation from her husband. Now, Ana goes out every afteroon to sell Yanbal, Romanel, and Esika products; all of them via catalogue sales. One of her biggest obstacles is having to go to all her sales areas on foot or by bus and not having a fixed sales point. With this financing, she wants to buy $200 worth of perfumes, $200 worth of earrings, and the rest will be used for home improvements. In the future, Ana would like to set up a store in her home in order to have more stability in her business.
View original language description ↓
Ana T. de 50 años de edad, tiene una casa de cemento con un servicio básico que es agua y caminos pavimentados su casa esta ubicada en la Perimetral de Guayaquil, esta separada de su esposo con el que tuvo 3 hijos ya todos mayores de edad.

Ana comenzó su negocio de ventas de cosméticos con la motivación que tenia que mantener su hogar por lo que se separo de su esposo, ahora ana generalmente sale en la tardes todos los días a vender productos Yanbal, Romanel, Esika, todos estos productos los vende por catalogo, una de sus mayores complicaciones es recorrer todos los sectores a pie o en bus y no tener un lugar fijo.

Con el préstamo quiere comprar $ 200.00 de perfumes, $ 200 de aretes, y el resto del préstamo quiere adecuar su vivienda. En el futuro Ana quiere implementar un bazar en su casa, para tener estabilidad en 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
  • 77
    View loans »
    Ecuador Loans Fundraising
  • $25,604,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Ana Cecilia perfumes, creams, earrings.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 18, 2009
Dec 23, 2009
Currency Exchange Loss:
Jul 15, 2011