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Carmen Mercedes
Carmen is 36 years old. She lives in a peri-urban area of El Fortín de Guayaquil. She is single and has two children who are attending public (state) schools.

Carmen started her business some time ago when she separated from her husband. She decided to open a stationery store through a loan that she received from Social Security. She then took out another loan from D-Miro. Carmen works alone in her stationery store from 7.00am to 8.00pm every day. With the help of this loan, she would like to buy more merchandise to stock her store. In the future, she would like to expand her business and continue educating her children.
View original language description ↓
Carmen de 36 años, vive en una zona peri-urbana en el Fortín de Guayaquil. Es soltera y tiene dos hijos que estudian en escuela fiscales.

Comenzó su negocio hace un tiempo atrás desde que se separado de su esposo y decidió abrir una papelería por medio un préstamo que hizo en el Bono Solidario y después hizo otro en D-miro. Ella labora sola en su papelería desde las 7H00 am a 8H00 pm diariamente. Con la ayuda del préstamo desea comprar mas mercadería para surtir su negocio. En un futuro dese agrandar su negocio y poder seguir educando 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
  • 72
    View loans »
    Ecuador Loans Fundraising
  • $25,580,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Carmen Mercedes to buy perfume, composition books and pens.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 1, 2011
Jun 26, 2011
Currency Exchange Loss:
Jul 15, 2012