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Libia Maria
Libia is a hardworking woman of 64 years. She lives in her own house in Guayaquil; she is divorced and has 2 children. Now that her children are adults (40 and 34 years old) she does not live with them, since they have their own families.

She started her store 20 years ago. She chose this business because of the lack of employment in those times and the small amount of education that she had. She runs her business by herself, opening at 6 a.m. and closing at 10 p.m. She likes her business because she feels productive earning her own money.

Libia tells us that crime doesn’t bother her too much, but her health does; sometimes she wakes up feeling tired and a little sick. With this loan, she is going to buy rice, oil, oats, sugar, and other items. In the future, she would like to be able to remodel her house in order to create some apartments to rent out.
View original language description ↓
Libia es una mujer trabajadora de 64 años de edad. Vive en una casa propia en Guayaquil, es divorciada y tiene 2 hijos. Actualmente sus hijos ya son mayores de edad (40 Y 34 años) no vive con ellos ya que tienen su propia familia. La tienda la inicio hace 20 años, escogió el comercio por l falta de empleo en esos tiempos y la poca preparación que contaba. Administra sola su negocio, abre a las 6 am y cierra a las 22 am. Le gusta su negocio porque se siente productiva ganando su propio dinero. Libia nos cuenta que la delincuencia no le preocupa mucho, su salud si, a veces se levanta cansada y medio enferma. Con el crédito va a comprar arroz, aceite, avenas, azúcar y demás. Le gustaría en un futuro poder arreglar su casa para hacer unos departamentos para alquiler.

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
A loan of $1,050 helped Libia Maria to buy rice, flour, sugar, and vegetables.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 22, 2012
May 3, 2012
Currency Exchange Loss:
Jun 2, 2012