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Etefania Monserrate
Estefania, 21, lives in Duran, Ecuador. She began teaching English lessons four years ago, because it was her vocation. She also teaches other subjects but her profession is teaching English. She is married and has no children. Her husband is an engineer. She works alone every day, with a lot of love and enthusiasm. In the future she wants to teach children, adolescents and adults, and also have her own children and give them a good life. She will use the loan to buy books, etc.
View original language description ↓
Estefania de 21 años vive ( duran Ecuador ) ella empezó hace 4 años a dar clases de ingles porque esa es su vocación , aparte enseña mas materias pero su profesión es el ingles .es casada no tiene hijos su esposo es maquinista . trabaja todos los días sola con mucho amor y ganas . a futuro anhela dar clase a niños jóvenes y adultos y tener hijos y darle una buena vida . con el presatmo comprara ( utiles libros ect ).

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
  • 39
    View loans »
    Ecuador Loans Fundraising
  • $26,686,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $875 helped Etefania Monserrate to buy books.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 7, 2012
Apr 12, 2012
Currency Exchange Loss:
Apr 18, 2013