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Karina Victoria
Karina, 29, has worked since she was very young in order to help her husband with the expenses of raising their five children, who are 14, 10, 8, 6, and 4. Because she had her first child when she was 15, she had to go and live with her husband in an outlying area of Guayaquil called Paraíso in a wooden shack, where there is only basic electricity and where water is sold for $1.50 a barrel.

She works by herself in the streets and houses of her acquaintances selling women and men's fragrances, which she buys cheaply. One way in which she works is by taking orders for the perfumes and selling them on credit in order to increase her sales.

Her house is made of reeds, and the floor is earthen, but she wants to give her children a better life and will use the loan to buy cement, breeze blocks, and sand so as to build a better house. She hopes in future to finish building her house and to have her own business.
View original language description ↓
Karina de 29 años, se dedico a trabajar desde muy joven para poder ayudar a su esposo con los gastos de sus 5 hijos de 14, 10, 8, 6, 4 años de edad. Debido a que a los 15 años tuvo su primer hijo tuvo que ir a vivir con su esposo a una zona periurbana llamada Paraíso en una casa de caña y que solo cuenta con luz como servicio básico ya que el agua la vende por barril a $ 1.50.

Trabaja sola recorriendo las calles y casa de sus conocidos vendiendo los perfumes para hombres y mujeres que comprar a un bajo costo. Una de las formas de trabajar es que los perfumes lo hacen por pedido y ella los vende a crédito para tener una mejor ganancia.

Su casa es de caña y el piso es de tierra por eso ella quiere darle una mejor vida a sus hijos y quiere comprar con el préstamo cemento, bloques, arena para construir mejor su casa. En el futuro quiere terminar de construir su cas ay tener un negocio.

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
  • 41
    View loans »
    Ecuador Loans Fundraising
  • $26,542,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Karina Victoria cement, breeze blocks, sand.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 12, 2010
Dec 9, 2010
Currency Exchange Loss:
Dec 15, 2011