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Narcisa Del Pilar
Narcisa M. is 40 years old and lives in the periurban district of Fortín in Guayaquil. This modest place has dirt roads and houses made of reeds. Narcisa receives electricity as her only basic service. Her husband works for a company by maintaining its machinery. They have two children, ages 6 and 5.

Narcisa began selling afternoon snacks from the doorstep of her house to people who pass through the area. Due to her low earnings, she decided to quit and start another business. With little investment, she began selling crafts.

Making and selling handicrafts generates good revenue, so it is now her main business activity. She works alone every weekend. She produces handmade dolls, rag dolls, chains, and other items. With this loan, she wants to improve her home and buy cement, blocks, and stone for her business.

In the future, she wants to build a better house and provide her children with a better education.

View original language description ↓
Narcisa M. de 40 años, vive en una zona periurbana en el Fortín (lugar muy humilde, con calles de tierra y casa de caña) de Guayaquil. Solo cuenta con luz como servicio básico. Su esposo trabaja dando mantenimiento a las maquinas de una empresa, ellos tienen dos hijos de 6 y 4 años.

Narcisa empezó vendiendo meriendas en la puerta de su casa a todas las personas que pasaban caminando, pero debido a los malos ingresos que tenia decidió retirarse y empezar otra actividad. Por esa mala decisión tuvo que iniciar un nuevo negocio con poca inversión e inicio la venta de artesanías.

La venta de artesanías le rindió buenas ganancias y ahora es su principal actividad, trabaja todos los fines de semana sola. Ella hace muñecos de maneras, muñecos de trapos, cadenas etc. Con el préstamo quiere construir mejor su casa y comprar cemento, bloques y piedras para su negocio.

En el futuro quiere construir mejor su casa y poder darle una mejor educación a sus hijos.

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
  • 70
    View loans »
    Ecuador Loans Fundraising
  • $25,592,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Narcisa Del Pilar purchase cement, blocks, and stone.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 16, 2010
Apr 27, 2010
Currency Exchange Loss:
May 20, 2011