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Mirian Margarita
Miriam is 45 years old and sells natural products and personal products in the area of Paraiso de la Flor. She lives in a periurban area called Paraiso de la Flor which is located in an area characterized by its dirt roads and mountains.

She had been selling beauty products for 10 years but a year ago she decided to sell natural products and cosmetics because she needed more income. She does her work by walking the streets selling her products by catalog. She has a strategy of giving her clients credit when they cannot pay instantly. She sells perfumes, lotions, deodorants and Herbalife natural products and leaves early in the morning to cover the streets. One of the difficulties that she faces while walking in the area are the hills that she has to climb to reach her clients.

With this loan she wants to purchase more merchandise such as perfumes, lotions and natural products so that she can provide a greater variety to her clients. in the future she would like to see her four children graduate and she would like to have a stall to sell her products.
View original language description ↓
Miriam de 45 años, vende productos naturales y de uso personal en las zonas de Paraíso de la flor. Vive en una zona periurbana llamada Paraíso de la flor ubicada en una zona caracterizada por sus caminos de tierra y montañas.

Hace 10 años ella vendía productos de belleza pero hace un año atrás como necesitaba más ingresos decidió vender productos naturales y cosméticos. Su trabajo lo realiza recorriendo las calles vendiendo sus productos por catalogo y tiene una estrategia de dar a crédito los productos cuando no tienen sus clientes para cancelar al instante. Vende perfumes, cremas, desodorantes, productos naturales de Herbalife desde muy temprano en la mañana sale a recorrer las calles. Una de las complicaciones al caminar por el sector son la lomas que tiene que subir para ir donde sus clientes.

Con el préstamo quiere comprar más mercadería como perfumes, cremas, productos naturales para tener más variedad para sus clientes. En el futuro quiere ver a sus cuatro hijos graduarse y tener un local para sus productos.

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
  • 72
    View loans »
    Ecuador Loans Fundraising
  • $25,580,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Mirian Margarita purchase perfumes, lotions and natural products.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Nov 5, 2010
Nov 13, 2010
Currency Exchange Loss:
Nov 21, 2011