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Carmen Alexandra
Carmen is 38 years old. One year ago she separated from her husband and had to start making money so that she could support her three children aged 12, 8 and 2. She started selling Yanbal products. Yanbal is a company that offers enterprising women the opportunity to start making independent catalog sales.

Thanks to her good management of her working capital, Carmen is now known in her district of El Fortín de Guayaquil, a district which is noted for its dirt roads and mountains.

Every week Carmen takes orders and then delivers the products that her customers have requested. She sells her products at low prices. She works from 8.00am visiting her acquaintances and loyal customers so that they can buy her products.

Carmen would like to continue working, stocking her business with merchandise. She would like to use her loan to buy perfume, creams and treatments. In the future, she would like to have premises from which she could sell her products, stock her business with merchandise and sell clothes too.
View original language description ↓
Carmen de 38 años, hace un año atrás se separo de su esposo y ella tuvo que comenzar a conseguir dinero para poder mantener a sus tres hijos de 12, 8 y 2 años de edad. Inicio con las ventas productos Yanbal (empresa que ofrece a mujeres emprendedoras comenzar con sus ventas independientes por catalogo).

Por la buena administración que le ha dado a su capital de trabajo ahora es conocida por el sector donde vive en el Fortín de Guayaquil una zona caracterizada por sus caminos de tierra y montañas. Hace por semana pedidos para que les lleguen los productos que les piden sus clientes y los vende a un bajo costo. Trabaja desde las 08h00am visitando a sus conocidos y clientes fieles para que compren los productos.

Ella quiere seguir trabajando surtiendo su mercadería comprando con el préstamo perfumes, cremas, tratamientos. En el futuro quiere tener un local para ofrecer sus productos y surtir su mercadería vendiendo ropa.

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
  • 71
    View loans »
    Ecuador Loans Fundraising
  • $26,543,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Carmen Alexandra to buy perfume, creams and treatments.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Nov 15, 2010
Dec 9, 2010
Currency Exchange Loss:
Mar 15, 2012