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Carmen Alicia
Carmen, 49, teaches children in a pre-school she opened. She lives in an urban zone called Guasmo which is notable for the large number of informal merchants that live there.

She started her business in 1997 when she noticed that there were a lot of children in her area that needed a certain amount of teaching before they started regular school. She started teaching by herself but later on one of her daughters started to help out. Gradually she incorporated two more people due to the number of children she had. Since then and to the present day she works from 8am until noon every day.

She will use the loan to buy cement, paint and concrete blocks to refurbish the site where she teaches the children. In the future she’d like to have a larger site for the children.
View original language description ↓
Carmen de 49 años, es profesora de niños en un negocio que ella creo de enseñanzas pre-escolares para niños. vive en una zona urbana llamada Guasmo, caracterizada por la cantidad de habitantes comerciantes.

Comenzó con su negocio en 1997 cuando se dio cuenta que habían muchos niños por su sector que necesitaban una enseñanza de estudios antes de comenzar la escuela. Comenzó a enseñar ella sola después una de sus hijas le comenzó ayudar, poco a poco incorporo dos personas mas por la cantidad de niños que tenia. Desde ese tiempo hasta ahora ella trabaja desde las 08h00am hasta las 12h00pm todos los días.

Ahora con el préstamo quiere comprar cemento, pinturas, bloques para readecuar el local donde enseña a los niños. En el futuro quiere tener un local mas grande para los niños.

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
  • 29
    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 Carmen Alicia for cement and paint.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 27, 2010
Sep 21, 2010
Currency Exchange Loss:
Oct 15, 2011