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Bernarda Beatriz
Bernarda is 23 years old and she lives in the suburban region of Fortin de Guayaquil. Her husband helps her with the business and they have a son who is 18 months old. Her business activity is a bakery.

She started this business for her husband who was trained as a baker and they gradually started their business. She works alongside her husband from 7:00 a.m. to 8:00 p.m. With the help of the loan she will purchase construction materials such as cement and construction blocks to remodel their home. In the future she hopes to expand her bakery into another sector and to help her children advance in their studies.
View original language description ↓
Bernarda de 23 años, vive en una zona peri-urbana en el Fortín de Guayaquil, su esposo le ayuda en el negocio y tienen 1 niño de un años y medio. Su actividad comercial es que tiene una panadería.

Empezó esta actividad por su esposo ya que el entro a un curso de panificador y empezaron poco a poco en su negocio. Labora junto a su esposo de 7H00 am a 20H00 pm. Con la ayuda del préstamo quiere comprar materiales de construcción tales como cemento bloque para adecuar su vivienda. En un futuro desea extender su panadería a otro sector y ayudar a sus hijos a que salgan adelante en sus estudios.

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
  • 28
    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 $600 helped Bernarda Beatriz to purchase cement, sand, paints and to purchase ingredients for her bakery, including flour and eggs.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 28, 2011
May 26, 2011
Currency Exchange Loss:
Mar 15, 2012