A loan of $875 helps to buy perfumes, creams and costume jewellery among other products.


Maria Fernanda's story

Maria Fernanda is 19 years old. She is is single and lives with her parents in the city of Machalilla, a place with beautiful beaches which are now deserted due to the emergency caused by covid 19.

She is a hardworking woman who despite of difficulties, seeks a way to make a living for the good of her family. She sells Avon products, (perfumes, creams, costume jewellery and cosmetics).

Before the health emergency she went out to sell and had really good sales. Now, she sells through social media and although her sales are not the same, she continues moving forward hoping that everything will improve.

This loan is to buy perfumes, creams and costume jewellery among other products.

Translated from Spanish by Kiva volunteer Erica McLay.


This loan is special because:

It helps borrowers withstand negative economic impacts of the COVID-19 pandemic.

Patrick Flynn, Kiva staff

Patrick Flynn
Kiva staff



Loan details


Lenders and lending teams






Repayment schedule

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.

Loan details



Repayment schedule

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.