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Julia Patricia
Julia is 36 years old. She is a very hardworking woman who was inspired by her friends to become part of a company known as Yanbal.

Her business is the sale of cosmetics. She works alone selling her products to her acquaintances and her family.

Her difficulty is that sometimes people to whom she sells her products do not pay on the date indicated.

She is separated and she has 2 children, aged 12 and 15. They both attend public schools. She requests a loan to invest in her business and to purchase merchandise such as: perfumes, skin lotions, deodorants, etc.

Her dream is to set up a general store in another of La Urbe, as well as to improve her house and to see her children complete their studies.
View original language description ↓
Julia de 36 años, una mujer trabajadora que con la ayuda de sus amigas que la inspiraron a que también se haga parte de esta empresa conocida como Yanbal.
Su negocio es la venta de cosméticos, Trabaja sola vendiendo sus productos a conocidos y familiares.
Su dificultad es que a veces la gente que ella vende sus productos no le paga en la fecha indicada.
Está separada, tiene 2 hijos, uno de 12 y 15 años, ambos estudian en escuelas públicas.
Ella solicita el préstamo para invertir en su negocio y la compra de mercadería como: perfumes, cremas, desodorantes, etc.
Su deseo es poner un bazar en otro sector de la urbe, mejorar su vivienda y que sus hijos puedan terminar sus estudios.

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
  • 71
    View loans »
    Ecuador Loans Fundraising
  • $25,584,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Julia Patricia to purchase merchandise such as perfumes, skin lotions, deodorants, etc.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 27, 2011
Oct 20, 2011
Currency Exchange Loss:
Nov 15, 2012