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Nicela Libernesa
Nicela, 58 years old, lives in Paraíso de Guayaquil, an area in the outskirts of the city with hills and dirt roads. She owns a small stationary store.

Many years ago Nicela started out with a copy machine, and little by little with effort and after the death of her husband, she decided to convert the back part of her house into a stationary store. She works by herself starting very early in the morning until 9:00 pm every day.

With this loan she would like to buy stationary and notebooks in order to make more income. In the future she would like to supply her store with even more items and finish working on her house.
View original language description ↓
Nicela de 58 años, vive en una zona periurbana con lomas y caminos de tierra llamado Paraíso de Guayaquil, ella tiene una pequeña papelería/tienda.

Comenzó hace años con una copiadora, poco a poco con esfuerzo y después de la muerte de su esposo opto por readecuar su casa y ubicar una papelería en la parte delantera de su casa. Trabaja sola desde muy temprano hasta las 21h00pm todos los días.

Ella quiere comprar con el préstamo papelería y cuadernos para tener mas ingresos. En el futuro quiere surtir mas su papelería y terminar de construir 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
  • 70
    View loans »
    Ecuador Loans Fundraising
  • $25,592,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Nicela Libernesa stationary, notebooks.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 11, 2010
Aug 23, 2010
Currency Exchange Loss:
Sep 15, 2011