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Annia De Las Mercedes
Annia B., 34 years old, lives in a peri-urban area in Paraíso (a very modest place, with reed houses and dirt roads) in Guayaquil. Her husband is a construction worker. They have two children who are studying in public schools.

Annia began as a street vendor, selling pens and pencils in the areas she knew best. However, with the desperate wish to have her own business and to avoid the exhaustion of walking, she decided to invest her savings in a small stationery shop.

Annia now has a wide assortment of stationery. She starts work very early selling notebooks, pens, paper, etc. Lately she has had good earnings, due to the school season beginning in April. With the loan, she wants to buy notebooks, stationery, and pens for her business.

In the future, she wants her business to grow much bigger and wants to finish building her house.
View original language description ↓
Annia B. de 34 años, vive en una zona periurbana en Paraíso (lugar muy humilde, con casas de caña y los caminos son de tierra) de Guayaquil. Su esposo es albañil ellos tienen dos hijos que estudian en escuelas fiscales.

Annia empezó como vendedora ambulante vendiendo lapiz y plumas en los sectores que mas conocía, pero por la desesperante idea de tener su propio negocio y para evitar el cansancio de caminar decidió invertir sus ahorros en un pequeño local y papelería.

Annia ahora tiene una papelería muy surtida, trabaja desde muy temprano vendiendo cuadernos, plumas, papeles etc. En estos meses ha tenido buenas ganancias debido a que la temporada escolar empezó en abril. Con el préstamo quiere comprar cuadernos, papelería y plumas para su negocio.

En el futuro quiere que su negocio sea mucho mas grande y poder terminar de construir 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 Ecuador

  • $10,600
    Average annual income
  • 44
    View loans »
    Ecuador Loans Fundraising
  • $26,686,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Annia De Las Mercedes notebooks, pencils, stationery.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 5, 2010
Apr 21, 2010
Currency Exchange Loss:
Apr 15, 2011