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Martha Isabel
Martha is 45 years old. She has a small store in the front of her house. She lives in El Guasmo in Guayaquil (a section of the city where the majority of the residents are informal merchants).

Two years ago she started buying groceries to sell to her neighbors and little by little, with effort and dedication, she was able to buy enough merchandise to start a small store. Now, with the help of her children, she works every day from 6:00 in the morning until 10:00 at night.

In order to be able to maintain her store she will use the loan to buy rice, drinks and candy. In the future, she would like to have a mini-market so that she can satisfy all her customer's needs.
View original language description ↓
Martha de 45 años, ella tiene una pequeña tienda en la parte delantera de su casa, vive en el Guasmo de Guayaquil (zona urbana, la mayoría de habitantes son comerciantes informales).

Desde hace 2 años atrás, comenzó a comprar víveres para venderlos a sus vecinos, poco a poco con esfuerzo y dedicación pudo comprar suficiente mercadería para ubicar una pequeña tienda, ahora ella trabaja desde las 06h00 hasta las 22h00pm todos los días con ayuda de sus hijos.

Para poder seguir con su tienda ella quiere comprar con el préstamo arroz, bebidas, confites. En el futuro quiere tener un Minimarket que cumpla con todas las necesidades de sus clientes.

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
  • 27
    View loans »
    Ecuador Loans Fundraising
  • $26,444,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Martha Isabel to purchase rice, drinks and candy for her store.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 23, 2010
Aug 17, 2010
Currency Exchange Loss:
Jul 21, 2011