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María Verónica
María, aged 37, offers her services as a housekeeper. She lives in Primavera de Duran, a peri-urban marginalized area of Guayaquil with ecology on the brink of collapsing.

To help her husband with household expenses (they have two daughters), she began to work as a housekeeper in several households. She still has some time left over after her housekeeping assignments, which is why she decided to buy some perfume and clothes with a little capital, enabling a better life to her daughters who study at the public school. María wants to use her loan to buy cement, stone blocks and filling to improve her home.

In the future she wants to finish building her house and that her daughters complete their studies successfully.
View original language description ↓
Maria de 37 años, ella da sus servicios como empleada domestica. Vive con en Primavera de Duran (zona periurbana, con una ecología en disolución a las afuera de Guayaquil).

Para ayudarle a su esposo con los gastos familiares ya que tiene dos hijas ella comenzó a trabajar como empleada domestica en distintas casa. Ya tiene tiempo trabajando como empleada en distintas casas por eso ahora ha optado que con un pequeño capital que tenia comprar perfumes y ropa para seguir dándole a sus hijas una mejor vida ya que ellas estudian en una escuela fiscal. Para mejorar su casa ella quiere comprar con el préstamo cemento, bloques, empaste.

En el futuro quiere terminar de construir su casa y que sus hijas terminen sus estudios con éxito.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Ecuador

  • $10,600
    Average annual income
  • 33
    View loans »
    Ecuador Loans Fundraising
  • $26,524,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped María Verónica to buy cement and stone blocks.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 25, 2010
Nov 19, 2010
Currency Exchange Loss:
Dec 17, 2011