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Zoila Maria
Zoila M. started her business because she needed another source of income for her family. She has a store where she sells supplies and goods, as well as breads. She works with her son who helps her starting at 10:30am. She begins to knead the dough and leaves the breads ready to put in the oven.

One of her difficulties is the pressure. She is married and her husband works as a driver. They have two children who are 22 and 16 years old. One of her goals is to build a second floor to their house so that their children have a larger space to live. For now, she wants the loan to buy drinks for her business.

View original language description ↓
Zoila M. empezó su negocio porque necesitaba otro ingreso para su familia su tipo de negocio es el comercio es decir una tienda en donde vende viveres y articulos. Tambien vende panes. Trabaja con su hijo que la ayuda desde las 10:30 comienza amasar la harina y deja listos los panes solo para meterlos al horno.

Unas de sus dificultades es que sufre la presión. Está casada y su esposo trabaja como chofer y tienen 2 hijos de (22, 16). Unas de sus metas es hacer el segundo piso de su casa para que sus hijos tengan un lugar mas amplio en donde vivir. Pero por ahora quiere comprar con el prestamo bebidas para su 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 Ecuador

  • $10,600
    Average annual income
  • 60
    View loans »
    Ecuador Loans Fundraising
  • $26,742,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Zoila Maria drinks.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jan 31, 2011
Feb 25, 2011
Currency Exchange Loss:
Jan 15, 2012