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Viccia Ester
Viccia M., 56, lives on the outskirts of the Ecuadorean city of Guayaquil, in a house with all basic services. Her husband drives a bus and they have 3 children, 25-, 26-, and 28-years old. Viccia started out with a stall, outside her house, selling candy and snacks and, over time, she used the money that she earned to add new products. She now has a store, in her house, where she works every day from 5:00 in the morning to late in the evening. She sells sugar for $0.28 a pound; rice for $0.35 a pound; cooking oil for $1.25, bottled drinks, etc. One of the regular obstacles that she faces is the many drunks in the neighborhood. With the loan, she will buy bottled drinks, vegetables and rice so that she will have more products to sell. In the future, she wants to expand the store.
View original language description ↓
Viccia Merchán de 56 años, vive en una zona periurbana en Paraíso de Guayaquil, cuenta con todos los servicios básicos, su esposo es chofer de un colectivo, con el tiene 3 hijos de 25, 26, 28 años.

Viccia empezó con un puesto de chifles y caramelos afuera de su casa, poco a poco con los ingresos que obtuvo implemento más productos.

Ahora Viccia tiene en su casa tiene su propia tienda, trabaja todos los días desde las 05h00 hasta el anochecer vendiendo azúcar a $0.28 la libra, arroz a $0.35 la libra, aceites a $1.25, bebidas etc. Una de las frecuentes complicaciones que ella tiene son los borrachos de su sector.

Con el préstamo quiere comprar bebidas, legumbres, arroz para tener más productos para su tienda. En el futuro quiere agrandar el local.

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
  • 34
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Viccia Ester buy products for resale.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 21, 2010
Feb 5, 2010
Currency Exchange Loss:
Mar 15, 2011