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Ana Melva
Ana, 39, is a single mother. She was born in Jipijapa but currently lives in Guayaquil. She left her native city 12 years ago, bought a house in the periurban zone called Paraíso de la Flor and she has a 16 year old son attending public school. She tells us that when she went to live in Guayaquil it was a little difficult to adapt but now she likes the city very much so she does not plan to return to Jipijapa.

She started her business before she relocated with one sewing machine an aunt who helped her gave her. Ana tells us that this type of business does not have a fixed work schedule but it does have its benefits because it allows her to be at home. She does not have any helpers although her son helps when she has large orders to fill and can’t do it all herself.

She comments that she does worry about crime because her neighborhood is a bit unsafe and does not have police presence. She can’t complain though; she does well in her business and that’s proven by her now having three sewing machines.

She will use the loan to buy an industrial sewing machine and fabric because the school term brings demand. Her next goal is to make some improvements to her house.
View original language description ↓
Ana es madre soltera, tiene 39 años. Nació en Jipijapa pero actualmente vive en Guayaquil. Hace 12 años dejo su ciudad natal, compro una casa en la zona periurbana llamada Paraíso de la Flor. Tiene 1 hijo de 16 años que asiste al colegio fiscal. Nos cuenta que cuando vino a vivir a Guayaquil se le hizo un poco difícil adaptarse ahora le gusta mucho la cuidad por lo cual no tiene pensado regresar a Jipijapa. Su negocio lo empezó antes de mudarse con una máquina de coser regalo de una tía a quien ayudaba. Ana nos comenta que este tipo de negocio no tiene un horario fijo pero tiene sus beneficios ya que le permite estar en su hogar. No tiene ayudantes aunque si hijo le ayuda cuando tiene una entrega grande y no se abastece sola. No comenta que si le preocupa la delincuencia porque su sector es un poco peligroso y no tiene respaldo policial. No se queja le va bien en su negocio y eso se demuestra ya que ahora tiene 3 maquinas de costura. El préstamo lo va a invertir en una maquina industrial y telas ya que con la época estudiantil tiene demanda. Su meta próxima es mejorar su casa.

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
  • 33
    View loans »
    Ecuador Loans Fundraising
  • $26,710,175
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,575 helped Ana Melva to buy fabric and sewing machines.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 19, 2012
May 3, 2012
Currency Exchange Loss:
Feb 20, 2013