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Margarita Consuelo
56-year old Margarita liveslives in an urban area in the Orquídeas section of Guayaquil. (Las Orquídeas means "The Orchids", so called because it originally had many orchid flowers). Her husband is a master bricklayer. They have children. Margarita sells food and beauty products.

She started her business some time ago because she enjoys selling. Before that she didn’t have a regular job. She decided to sell lunches in her neighbourhood and at the same time beauty products and cosmetics.

Margarita works every morning preparing the lunches, and in the afternoons she sells the other items. With the loan money she wishes to buy more merchandise and Yanbal beauty products. In the future she would like to open a restaurant in her home.
View original language description ↓
Margarita de 56 años, vive en una zona urbana en las Orquídeas (llamado así porque en su originalidad había muchas flores orquídeas) de Guayaquil. Su esposo es maestro albañil y tienen hijos. Se dedica la venta de comida y productos de bellezas.

Empezó hace un tiempo atrás porque le gusta el comercio antes no tenia trabajo estable que decidió vende almuerzos por su sector y a la vez vende productos de bellezas comesticos. Labora diariamente en las mañana preparando los almuerzos y en las tarde se dedica a promocionar sus productos. Con la ayuda del prestamo0 quiere comprar materiales para su negocio y productos Yanbal para su respectivas ventas. En un futuro quieres poner un restaurante en su domicilio.

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
  • 35
    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 Margarita Consuelo to buy cosmetics, perfume, lotions, cement blocks, and cement.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Jun 7, 2011
Jul 5, 2011
Currency Exchange Loss:
Sep 15, 2012