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Luzmila Rufina
Luzmila is 59 years old. She lives on the Perimetral (ring road) on the outskirts of Guayaquil. She is married and has a hardware store.

When her husband left his last job, he received a settlement that they used to start up this business, and they work together. In the hardware store, they sell cables for $2.18, or by measurement, and pipes for $5.10. She works with her husband from 8:30 am to 6:00 pm every day. With the help of the loan, she wants to invest in more materials, such as electrical items and pipes, to sell and to stock the business better. In the future, she wants to open another location and in, addition, finish fixing up their house.
View original language description ↓
Luzmila de 59 años, vive en una zona peri-urbana en la Perimetral. Esta casada. Ella tiene una ferretería.

Cuando su esposo salio de su ultimo trabajo recibió una liquidación con la cual pusieron esta actividad y trabajen juntos. En su ferretería vende cables a $2,18 dependiendo de las medidas, tubos a $5,10. labora con su esposo desde las 8H30 am a 18H00 pm diariamente. Con la ayuda del préstamo desea invertir en mas materiales como materiales eléctricos y tubos para sus respectivas ventas y surtir mas el negocio. En un futuro desea abrir otro local y ademas terminar de adecuar su vivienda.

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
  • 54
    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 Luzmila Rufina to buy electrical materials and pipes for her hardware store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 13, 2011
Jun 1, 2011
Currency Exchange Loss:
Apr 15, 2012