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Rosa Esmerencia
Rosa, 42, lives in on the outskirts of Guayaquil (a semi-urban zone surrounded by the Guayaquil swamp). She has a small shop at the front of her house.

Rosa used to have a small shop where she used to live in Coop. Paraíso but as her earnings weren't very good she decided to live in another location and purchase a plot of land to build her house. Little by little Rosa began selling stationery, and from this time until now she has worked from 6am until 10pm every day.

To stock her shop more Rosa wants to buy a glass display cabinet, stationery, photo frames etc. In the future she wants to repair her shop and house.
View original language description ↓
Rosa de 42 años, vive en la Perimetral de Guayaquil (zona periurbana, rodeada del estero de Guayaquil), ella tiene una tienda pequeña en la parte delantera de su casa.

Rosa tenia una tienda pequeña donde antes vivía Coop. Paraíso pero como sus ingresos no eran tan buenos decidió ir a vivir a otro lugar y comprar un terreno para construir su casa. Poco a poco comenzó a vender papelería, desde ese tiempo hasta ahora ella trabaja desde las 06:00am hasta las 22:00pm todos los días.

Para surtir mas su tienda ella quiere comprar con el préstamo una vitrina, papelería, portarretratos, etc. En el futuro quiere arreglar su negocio, y 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
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,541,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Rosa Esmerencia purchase a display cabinet and stationery.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jun 30, 2010
Jul 22, 2010
Currency Exchange Loss:
Aug 29, 2011