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Gisella Natividad
Gisella is 35 years old and lives in Orquídeas de Guayaquil, an urban area where many orchids once grew. She sells products manufactured by Avon, a company that helps enterprising women reach their potential as sales representatives.

Due to financial necessity, one of Gisella daughters began selling perfumes and crèmes at school. Gisella could not resist any longer, so she decided to talk with her daughter who gave up her sales so that Gisella could start selling these products. Over time and with effort, she had the income to support her family. She sells perfumes, crèmes, make-up, and other items.

In order to continue her Avon business, Gisella needs a loan to buy crèmes and perfumes. In the future she wants to continue working and buy a car so that she can get around faster.

View original language description ↓
Gisella de 35 años, vive en las Orquídeas de Guayaquil(zona urbana, su originalidad fue que habían muchas flores Orquídeas), ella vende productos Avon (empresa que ayuda a mujeres emprendedoras para que sean vendedoras potenciales).

Una de las hijas de Gisella al ver la necesidad económica empezó a vender perfumes y cremas en el colegio, cuando Gisella se dio cuenta ella decidió hablar con su hija para que no lo haga mas y Gisella empezó a vender. Poco a poco con esfuerzo ha tenido ingresos para mantener a su familia, vende perfumes, cremas, maquillaje etc.

Para poder continuar con el negocio de Avon ella necesita comprar con el préstamo cremas, perfumes. En el futuro ella quiere seguir trabajando y comprar un carro para hacer expreso.

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
  • 32
    View loans »
    Ecuador Loans Fundraising
  • $26,710,175
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Gisella Natividad purchase crèmes and perfumes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 10, 2010
Jul 13, 2010
Currency Exchange Loss:
May 15, 2011