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Vilma Azucena
Vilma, age 43, lives in El Paraíso de Guayaquil. She sells personal use items like Yambal brand cosmetics by catalog. This company helps enterprising women.

She started selling cosmetics and clothes 25 years ago. Little by little, and with some savings, she joined Yambal. She did this to have more income and to be able to help even more with the family expenses. She works from eight a.m. until six p.m. She sells make-up, perfume, creams, and deodorants by catalog and at a low cost.

She wants to use this loan to buy perfumes, creams, and deodorants to increase her merchandise. In the future she wants to have a stationery store. That way she will have time for her two children.
View original language description ↓
Vilma de 43 años, vive en el Paraíso de Guayaquil, vende productos de uso personal como cosméticos por catalogo de marca Yambal /empresa que ayuda a mujeres emprendedoras.

Ella inicio hace 25 años las ventas de cosméticos y ropa poco a poco con algunos ahorros se inscribió en Yambal para tener mas ingresos y poder ayudar aun mas en los gastos familiares. Trabaja desde las 08h00am hasta las 18h00pm. Vende maquillaje, perfumes, cremas, desodorantes a un bajo costo por catalogo.

Con el préstamo quiere comprar perfumes, cremas, desodorantes para incrementar su mercadería, en el futuro quiere tener una papelería, y así tener tiempo para sus dos 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 Ecuador

  • $10,600
    Average annual income
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Vilma Azucena perfumes and creams.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 6, 2010
Aug 15, 2010
Currency Exchange Loss:
Sep 26, 2011