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Cinthya Johanna
Cinthia is 30 years old and lives in a subdivision named Playas which is one of Ecuador's tourist sites with a diverse selection of seafood. Her husband works as an inter-subdivision bus driver. She is a cosmetics consultant and also sells costume jewelry.

She used to work with her mother selling cosmetics and costume jewelry. When she married she decided to open her own business and with a loan she bought clothing to increase her profits and compliment her business. Currently, she is a cosmetics consultant and she sells clothing for all occasions. She sells her products such as lotions and creams for 25 per unit, lipsticks and lotions for 12 per unit and clothing for women at 16 per piece. With the help from this loan she wants to buy more products such as perfumes, women's blouses, lipsticks and different merchandise to increase her income. Cinthia and her husband's goals are to have a store to sell costume jewelry and a small grocery and stationary store so that they can have income to finish building their home and to pay for their daughter's tuition.
View original language description ↓
Cinthia de 30 años, vive en un cantón llamado Playas uno de los lugares turísticos del Ecuador con una diversa dimensión de mariscos. Su esposo trabaja como controlador de bus de transporte intercantonal. Es consultora de comesticos y ventas de bisuterías.

Comenzó hace un tiempo atrás trabajaba con la mama en la venta de comesticos y bisuterías un día ella se caso y decidió abrir su propio negocio con un préstamo que hizo compro ropa para aumentar sus ingresos y complementar mas sus negocio . Actualmente es consultora de comesticos y vende ropa de toda ocasión. Vende sus productos como perfumes y cremas a 25 por unidad, labiales y lociones a 12 por unidad y ropa para damas a 16 por ropa. Con la ayuda del préstamo desea comprar mas productos como perfumes, blusas para mujer, labiales , diferente mercadería para aumentar sus ingresos. Las metas de Cinthia y su esposo es poner un local para la venta de bisutería y comesticos y una pequeña papelería paras tener ingresos para terminar de construir su vivienda y dar la colegiatura de su hija.

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
  • 81
    View loans »
    Ecuador Loans Fundraising
  • $25,601,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Cinthya Johanna to purchase perfumes, shirts, blouses, lipsticks and lotions.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Apr 28, 2011
May 25, 2011
Currency Exchange Loss:
Mar 18, 2013