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Julia Jennifer
Julia, age 25, lives in an urban area in the Orquídeas section of Guayaquil. (Las Orquídeas means "The Orchids", so called because it originally had many orchid flowers). She is single and has 2 small children who are not yet in school. She has a small stationery store. She started with a family business until one day, with a small amount of capital, she started her own business and opened a stationery store. She works alone in her stationery store every day, selling clothing and stationery items such as notebooks, sheets of paper, etc. With the help of the loan, she wants to invest in clothing items for the stationery store and various things for her to sell and increase her profits. She wants to grow her business greatly and so create economic growth to support her children.
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Julia de 25 años, vive en una zona urbana en las Orquídeas (llamado así porque en su originalidad había muchas flores orquídeas) de Guayaquil. Es soltera y tiene 2 hijos pequeños que todavía no estudian. Tiene una pequeña papelería.

Comenzó con un negocio familiar hasta que un día junto un pequeño capital y puso su propio negocio abrió una papelería. Labora sola en su papelería en todo día vendiendo ropa y artículos de papelería como cuadernos, hojas, etc. con la ayuda del préstamo quiere invertir en ropa artículos para su papelería y varias cosas para se ventas e incrementar sus ganancias. Dese tener muchos mas amplio su negocio y asi crecer económicamente par mantener a sus hijos.

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
  • 33
    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 $1,200 helped Julia Jennifer to buy clothing items and other things for her stationery store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 9, 2011
May 30, 2011
Currency Exchange Loss:
Jun 15, 2012