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Roberta Zenaida
Roberta is 18 years old. She is an informal saleswoman who sells beauty products, clothes and toys. She lives in a peri-urban area called Perimetral and works selling Avon beauty products, etc.

Through her business, Roberta has been able to cover her expenses, promoting her merchandise in the area where she lives. She sells boys' and girls' toys, clothes and Avon cosmetics with the help of her mom. She would like to continue selling her merchandise and would like to use her loan to buy toys for the Christmas season since there is a high demand. She will also buy clothes and cosmetics for her female customers.

In the future, Roberta would like to increase her merchandise and have sales premises so that she can make enough income.
View original language description ↓
Roberta de 18 años, es comerciante informal de productos de belleza, ropa y juguetes. Viviendo en una zona periurbana llamada Perimetral ha trabajado vendiendo los productos de belleza Avon etc.

Siguiendo con esta actividad ha podido solventar sus gastos promocionando en el sector donde vive su mercadería. Vende juguetes para niños y niñas, ropa, cosméticos Avon con ayuda de su mama. Ella quiere seguir con las ventas de su mercadería por eso quiere comprar con el préstamo juguetes por la época navideña ya que hay mucha demanda, ropa y cosméticos para sus clientes mujeres.

En el futuro quiere incrementa su mercadería y tener un local para tener suficientes ingresos.

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
  • 73
    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 $1,000 helped Roberta Zenaida to buy toys and clothes.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 22, 2010
Dec 15, 2010
Currency Exchange Loss:
Jan 15, 2012