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Norma Patricia

Update on Norma Patricia

Norma is 30 years old and is a hardworking woman who has many plans for her telephone call center. She has had this business for a few years and she wants to continue investing in it because it has helped her improve her family’s income.

Norma begins her work very early in the morning attending to her customers at the call center. She wants to use the loan to install more telephones at the call center so she can have more customers, since there are times when the center is completely full.
View original language description ↓
Norma de 30 años, es una mujer trabajadora que tiene muchas aspiraciones con su negocio de llamadas. Tiene ya algunos años con su negocio por eso quiere seguir invirtiendo en las llamadas ya que le ha ayudado a mejorar los ingresos de su familia.

En la actualidad trabaja desde muy temprano atendiendo la central de llamadas para sus clientes. Quiere con el préstamo poner más centrales telefónicas para tener más clientela ya que en ocasiones se llena el local.

Previous Loan Details

Norma is 29 years old. She is a working woman with a business in telephone booths and also sews and make clothes. Living in a semi-urban area called Paraíso, she has worked for years with the teachings that her parents left her. She began with a business in sewing and after good management wa... More from Norma Patricia's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Ecuador

  • $10,600
    Average annual income
  • 28
    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 $1,075 helped Norma Patricia to install more telephones at her call center.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 11, 2011
Jan 13, 2012
Currency Exchange Loss:
Jan 15, 2013
This photo was used before for a previous loan for Norma Patricia. It was first posted on Kiva on Jan, 2011. Learn More