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Luz Maria
Luz is 42 years old and she is a very hardworking woman who has great aspirations for her business. It is something she enjoys and she has had it for 10 years. She started out with a limited capital and with her husband's help, making "humitas", a food made with corn and wrapped in corn leaves.

She has worked for several years from 8am to 1pm every day making humitas in the mornings and selling them to different people in the afternoons with her husband's help. One of the difficulties she faces with the business is when there is a shortage of corn. This is why she stockpiles to avoid problems. She has many aspirations with her business and she wants to have a better income. She will invest her loan in the purchase of corn, cheese, and a mill.
View original language description ↓
Luz de 42 años es una mujer trabajadora que tiene muchas aspiraciones con su negocio ya que es una actividad que le gusta y que viene realizándola por 10 años. Comenzó con poco capital y ayuda de su esposo realizando “Humitas” (hechas con maíz y envueltas en hojas de maíz).

Ha trabajado por varios años desde las 08h00am hasta las 13:00 todos los días haciendo en la mañana las humitas y vendiendo a diferentes personas en la tarde con ayuda de su esposo. Una de las dificultades que presenta el negocio es cuando hay escases de maíz por eso ella reserva para no tener problemas. Tiene muchas aspiraciones con su negocio por eso quiere mejorar sus ingresos invirtiendo un préstamo en la comprar de maíz, queso y un molino.

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 $1,075 helped Luz Maria to purchase corn, cheese, and a mill.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 15, 2011
Sep 29, 2011
Currency Exchange Loss:
Oct 15, 2012