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Jessica Del Carmen
Jessica is 34 years old. She sells Avon-branded personal products such as cosmetics through a catalog (Avon is a company that helps enterprising women to sell cosmetics at a low cost). She also sells Esika-branded products.

Jessica lives in a peri-urban area called Paraíso. She started selling Avon cosmetics so that she would have enough income with which to provide her two children, aged 12 and 8, with a better life. She sells make up, perfume, creams and deodorants through a catalog at a low cost. She sells her products to acquaintances and neighbors. With her husband's help, Jessica also sells food at weekends to guarantee her children's future.

To increase her merchandise, Jessica would like to use her loan to buy perfumes, make up and creams for her business. In the future, she would like to finish building her house since part of it is made from cane.
View original language description ↓
Jessica de 34 años, ella vende productos de uso personal como cosméticos por catalogo de marca Avon (empresa que ayuda a mujeres emprendedoras a vender cosméticos a un bajo costo) y Esika.

Viviendo en zona periurbana llamada Paraíso inicio con las ventas de cosméticos Avon para tener ingresos suficientes y así dales una mejor vida a sus dos hijos de 12 y 8 años. Vende maquillaje, perfumes, cremas, desodorantes a un bajo costo por catalogo. Ella vende los productos a sus conocidos y vecinos. También con ayuda de su esposo vende comida los fines de semana para asegurar el futuro de sus hijos.

Para incrementar su mercadería ella quiere comprar con el préstamo perfumes, maquillaje, cremas para su negocio. En el futuro quiere terminar de construir su casa ya que una parte es de caña.

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
  • 32
    View loans »
    Ecuador Loans Fundraising
  • $26,710,175
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Jessica Del Carmen to buy cosmetics, perfumes and creams.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 25, 2010
Dec 21, 2010
Currency Exchange Loss:
Jan 15, 2012